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PUBLIC DOCUMENT. No. 9. 



THIRTY-SIXTH ANNUAL REPORT 



OF THE 



Insurance Commissioner 



OF THE 



Commantocalt^ of ^zBmfymttts. 



January 1 , 1891. 



PART I. 

FIRE AND MARINE INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO, STATE PRINTERS, 

18 Post Office Square. 

1891. 



STATE T^RAST OF KiSSACffllSETTB, 

STATE HOUSE, BOSTON. 

,.;'R 2- B91 



\9S*$b tot ' I • 

13 



TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, ... V 

Companies admitted dubxng 1890, v 

WITHDRAWN DURING 1890, V 

EXAMINED DURING 1890, vii 

The General Transactions oe the Year, viii 

Business of the Massachusetts Companies, ix 

Companies of Other States and Countries, ix 

Business in Massachusetts, x 

Permanent Fund of Mutual Companies, ...... xi 

Ancient Friends xii 

Funds of Companies of Foreign Countries, xii 

The Statistics of Fire Waste, xv 

Receipts and Expenditures, xxi 

Comparative Tables, xxiii 

Massachusetts Mutual Fire Insurance Companies xxv 

Comparative Table A xxv 

Massachusetts Mutual Marine Insurance Companies, .... xxvi 

Comparative Table B, xxvi 

Massachusetts Joint-Stock Insurance Companies, xxvii 

Comparative Table C, xxvii 

Insurance Companies of Other States, xxviii 

Comparative Table D, xxviii 

United States Branches of Foreign Insurance Companies, . . xxix 

Comparative Table E, xxix 

Massachusetts Business, xxx 

Comparative Table F, xxx 

Comparative Ratios, xxx 

Aggregates of all the Companies, xxxi 

Table G. — Fire risks written, prerniums received and losses incurred in 

Massachusetts during the decade, xxxii 



IV 



TABLE OF CONTEXTS. 



Stat ist hai. TABLES, 

Massaohcsi nra Mutual Firs Insurance Companies, 

Table I. — Risks, assets, liabilities and surplus, .... 
Table II. — Gross cash income and expenditures, premiums, losses and 
expenses 



MLas8A< busbtts Mutual Marine Insurance Companzfs, . 

Table III.— Guaranty fund, scrip, risks, assets, liabilities and surplus, 
Table IV. — Gross cash income and expcndituies, premiums, losses an 
expenses 



Massachusetts Joint-Stock Insurance Companies, . 

Tattle V. — Cash capital, risks, assets, liabilities and surplus, 
Tattle VI. — Risks written, premiums received and losses paid, 
Table VII. — Gross cash income and expenditures, expenses and 
dends 



Inm kance Companies of Other States, 

Table VIII. — Cash capital, risks, assets, liabilities and surplus, 
Tattle IX. — Risks written, premiums received and losses paid, 
Table X. — Gross cash income and expenditures, expenses and 

dends, 

Tabic XI. — United States branches, showing deposits, etc., . 
Table XII. — United States branches, business of 1890, . 

Massachusetts Business in Detail. — Table XIII., . 



Statistics of Fires in Massachusetts, lxx 

Table XIV. — Property, fires, insurance, loss, etc., .... lxx 

Tattle XV. — Fires classified by months, lxxvi 

Tattle XVI. — Causes of fires lxxxi 

Table XVII. — Summary, lxxxvi 

Table XVIII. — Fires by months for thirteen years, lxxxvii 

Table XIX. — Receipts and expenditures of the insurance depart- 
ment Ixxxviii 



divi 



divi 



PAGE 

xxxiii 



xxxiv 
xxxiv 



xxxvi 



XXXVlll 

xxxviii 



xxxvm 



xxxix 

xxxix 

xl 

xli 

xlii 

xlii 
xlviii 

liv 

lx 

lxii 

Ixiv 



DETAILED STATEMENT. 

Massachusetts Mutual Fire Companies, 1 

Massachusetts Mutual Marine Companies, 85 

Massachusetts Joint-Stock Fire, Marine, and Fire-Marine Companies, . . 93 

Fire, Marine, and Fire-Marine Insurance Companies of Other States, . . 135 

United States Branches of Foreign Companies, 421 

Insurance Companies of Other states and Foreign Countries, with Amount of 

Business done, and Tax paid by Each, 485 

Appendix 193 



dTowmontucaltb of ftliissaejnisctts. 



Insurance Department, Bostox, March 21, 1891. 

To the Honorable (he Senate <tivl the House of Representatives. 

In accordance with the requirements of the statute herewith 
i- submitted Part I., relating to tire and marine insurance, of 
the thirty-sixth annual report of this department. 

The following changes in the companies transacting business 
in Massachusetts have taken place during the year: — 



Companies eirfmitted during 1S90. 



NAME OF COMPANY. 


Location. 


Date admitted. 


Denver 

Falls City 

St. Paul German, .... 
London Assurance (Marine branch), 
Industrial Mutual, .... 
Electric Mutual, .... 
Mechanics" and Traders 1 , 
Atlas Assurance, .... 
National Assurance, 
Manchester Fire Assurance, . 


Denver, Col , . 
Louisville, Ky., 
St Paul, Minn., 
London, Eng., . 
Boston, 
Boston, 

New Orleans, La , 
London, Eng., . 
Dublin, Ireland, 
Manchester, Eng., 




Jan. 1, 1890. 
Feb 19, 1890. 
Mar. 14, 1890. 
April 21, 1890. 
May 5, 1890. 
May 9, 1890. 
July 9, 1890. 
Dec. 17,1890. 
Dec. 22, 1890. 
Dec. 23, 1890. 



Manufacturers 1 and Merchants 1 , 


Pittsburgh, Pa., 


Jan. 1, 1890. 


Hekla Fire, .... 




Madison, Wis , . 


Jan. 31, 1890. 


Standard Fire, 


. , 






New York, 


Mar. 31, 1890. 


Long Island, . 


, , 






Brooklvn, . 


June 5, 1890. 


Fireman's, 


, , 






New York, 


July, 1890. 


Anglo Nevada, 


, 






California, 


Sept. 1, 1890. 


German Fire, . 


, 






Pittsburgh, Pa., 


Oct. 1, 1890. 


Mercantile, 


, 






Cleveland, O., . 


Oct. 4, 1890. 


Guardian Fire, 


, t 






New York, 


Nov. 15, 1890. 


Franklin, . 


, , 






Columbus, O., . . 


Nov. 21, 1890. 


Prudential Fire Association, 






New York, 


Dec. 31, 1890. 


Firemen's, 


■ ' 




Dayton, O , 


Dec. 31, 1890. 



vi REPORT OF THE 

Of the companies withdrawing, the Long Island re-insured 
its risks In the Royal ; the Firemen's of New York re-insured 
its Massachusetts risks in the Traders* and Mechanics' of New 
Orleans, and others in the Home of New York. The risks of 
the Grerman Fire are to run to maturity. The Mercantile 
re-insured in the Home of New York ; the Franklin in the 
Guardian Assurance; the Guardian Fire in the Liverpool and 
London and Globe. The Anglo-Nevada re-insured its risks in 
the Caledonian, a company not authorized to transact business 
in Massachusetts ; proceedings were begun by the Attorney- 
General, and the penalty provided by the statute enforced 
against the Anglo-Nevada. 

The Mannheim of Germany and the Marine of London, 
according to the statements submitted of business for 1890, 
were found not to possess sufficient and proper assets required 
by the Massachusetts statute to meet their liabilities. These 
companies have since placed in the hands of American trustees 
funds to remedy this impairment, and their authority to transact 
business in this Commonwealth has therefore been renewed; 
but the transactions not being completed when the tables and 
detailed statements were ready for the press, the results of 
last year's business by these two companies were necessarily 
omitted therefrom, and the number of companies in the tables 
and abstracts is less by two from the statement below. 

The authorized companies Dec. 31, 1890, were in number 
204, 2 less than at close of previous year, and were desig- 
nated as follows : — 

Massachusetts Mutual Fire 51 

Massachusetts Mutual Marine, 3 

Massachusetts Joint-Stock, 15 

Other States, 10-4 

United States Branches of Foreign Companies,. . . 31 



Total, 204 

During the year the triennial examinations required bylaw 

were made of the following : — 



INSURANCE COMMISSIONER. 



VI 1 



Companies examined during 1890. 

Mutual Fire Insurance Companies. 
Industrial Mutual (commenced business May . r >), 
Electric Mutual (commenced business May !>), 
Shelburne Mutual, 
Franklin Mutual,. 
Ash field Mutual, . 
Barnstable County Mutual, . 
Abington Mutual, 
Bristol County Mutual, 
Attleborough Mutual, . 
Norfolk Mutual, .' 
Dedham Mutual, . 
( !ohasse1 Mutual,. 
Fall River Manufacturers' Mutual, 
Fitcbburg Mutual, 
Merchants' and Farmers', . 
Worcester Mutual, 
Hingham Mutual, 
Worcester Manufacturers', . 
Lowell Mutual, . 
Quincy Mutual, . 
Mutual Fire Assurance, 
Hampshire Mutual, 
Milford Mutual, . 
Westford Mutual, 
Traders' and Mechanics', 
Rubber Manufacturers' Mutual, 
Taper Mill Mutual, 
Lynn Mutual, 
South Danvers Mutual, 
Grovel and Mutual, 
Saugus Mutual, . 
Annisquam Mutual, 
West Newbury Mutual, 
Middlesex Mutual, 
Salisbury and Amesbury Mutual 
Newburyport Mutual, . 
Merrimack Mutual, 
Patrons' Mutual, . 
Holyoke Mutual, . 
Salem Mutual, 
Essex Mutual, 



Mutual 
China Mutual, 
Gloucester Mutual Fishing, 
India Mutual, 



Marine Companies 



Boston. 

Boston. 

Shelburne. 

Greenfield. 

Ashfield. 

Yarmouthport. 

Abington. 

New Bedford 

Attleborough. 

Dedham. 

Dedham. 

Cohasset. 

Fall River. 

Fitchburg. 

Worcester. 

Worcester. 

Hingham. 

Worcester. 

Lowell. 

Quincy. 

Springfield. 

Northampton. 

Milford. 

Westford. 

Lowell. 

Boston. 

Boston. 

Lynn. 

Peabody. 

Groveland. 

Saugus. 

Gloucester. 

West Newbury. 

Concord. 

Amesbury. 

Newburyport. 

Andover. 

Worcester. 

Salem. 

Salem. 

Salem. 



Boston. 

Gloucester, 

Boston. 



viii REPORT OF THE 

Joint-Stock Companies* 

Equitable Marine, Provincetown. 

American Boston. 

\ ptone Fire and Marine, Boston. 

Dwelling Hous< . . ' Boston. 

Mercantile Fire and Marine, Boston. 

Eliot, Boston. 

First National, Worcester. 

North American, Boston. 

Bostou Marine, Boston. 

Salem Marine, Salem. 

The companies were found to be in a gratifying condition of 
stability; securities of excellent character, business generally 
most prudently conducted, and the occasion for the few criti- 
cisms heretofore, upon the character of investments, entirely 
removed. The people of the Commonwealth, whose property 
these corporations so largely protect, are to be congratulated 
upon their soundness and financial strength. 



The General Transactions of the Year. 

The results of the business of the year are generally of a 
satisfactory character; the aggregate assets of all the coin- 
panic- increased $6,707,249, which would have been materially 
larger but for the depression in the value of securities arising 
from the financial panic just at the close of the year; tins, of 
course, had its effect in reducing the surplus in the amount of 
$472,604. The lire risks written were larger by $1,109,935,- 
994 than during 1889, and the marine risks $280,134,674 
linger: income increased $6,087,927, while the amount paid 
for all purposes was smaller by $5,893,184 than during the 
previous year. The lire losses incurred are given as $56,002,834 , 
less by $5,500,904 than in 1889, and the marine losses show a 
falling oil" also of $2,599,170. The total amount of tire risks 
outstanding al the close of the year was $15,483,405,082, an 
increase of $1,130,147,605; the marine risks aggregated 
$226,323,466, an increase of only $15,203 from 1889 ; while, 
a- stated, the marine risks written were increased materially, 
the amount received for premiums was less by $796,310 than 
upon the smaller amount of the year before. 



INSURANCE COMMISSIONER. ix 

Bi siness of tih: Massachusetts Companies. 

The mutual 6re companies present, in the tabulation, figures 
which arc in every res] gratifying; the plus and minus 
Bi'gns in the tables are, without an exception, in the right pla< 
assets were increased in t ho sum of $1 ,410, 1 s ] ; the cash sur- 
plus is larger by $7.°>,2N."> ; the total expenditures were less by 
$2,809; the fire risks written increased *29,3<>4,870, aggre- 
gating at the close of the year *i>7">, S6S, 1 74 : premiums 
increased $215,029 ; the losses Incurred were Ies9 by $31 1,751, 
while the profits returned were larger by s2.~) 1 ,9 l."> than in the 
previous year. 

With the exception of the marine business, the Massachu- 
setts stock tire and marine companies experienced also a pros- 
perous year; the cash' capital remained unchanged ; assets were 
increased $482 280 and surplus $460,859; income was less by 

l,070j but the total expenditures were -mailer by nearly ten 
times the amount of income reduction. The tire risks written 
were $17,212,999 larger, and the amount outstanding 

1,850,665 larger than in 1889. The marine business shows 
a falling off in amount written of $13,162,205, and a reduction 
in almost every other item. Both fire and marine losses were 
materially smaller than during the previous year. 

The aggregates of the business of the two mutual marine 

DC C 

companies of Massachusetts show a reduction of $171,978 in 
assets and of $162,498 in surplus ; the income was greater by 
$119,3-32 and the expenditures were less by $67,044; the risks 
written exceeded the amount of the previous year by $5,834,693, 
and the premiums by $85,856 ; the outstanding risks at the end 
of the year were less by si, 841, 130 than at the close of 1889. 

Companies of Other States and Countries. 

The capital of the companies of other States was reduced 
during the year $2,944,610 by withdrawals in excess of admis- 
sions, but the amount of tire risks written was increased by 
$471,402,651, and those outstanding at the close of the year 
by $481,038,547. Despite the decrease in capital, assets were 
increased $2,767,298 ; income was larger by $2,237,133, while 
the total expenditure was S4, 718,092 less; premiums received 
increased $2,767,349, while the fire losses incurred were less 



x REPORT OF Till: 

by ^3,763,467. The marine risks written increased by 
"1,923,205 and the amount outstanding by $5,804,789 ; the 
murine losses were less by $2,117,756. It is noticeable that 
in the fare of the large increase in the amount of the marine 
business written, the premiums received thereon materially 
decrease. 

The United States branches. of foreign companies increased 
their capital by $472,950, decreased surplus by $723,263; the 
income increased $3,560,832, and expenditures were $478,570 
3. Fire risks written aggregated $591,985,474 more than in 
the previous year, and premiums received thereon $3,799,263 : 
the liic losses were less by s.S65,854. The marine risks 
written decreased $84,461,019 and losses were $191,426 less. 

Business in Massachusetts. 
The general trend of the business in this Commonwealth, 
aside from the amount of marine risks written, has been in the 
right direction. The lire risks written were $45,154,652 in 
exec-- of the previous year, and premiums received were larger 
by 1 1:37,902 : the fire losses incurred were reduced $5,485,962. 
The marine risks written were less by $32,178,597, and the 
ses incurred showed a reduction of $650,345. The total 
amount of fire insurance written on Massachusetts risks was 
$871,117,341, and premiums to amount of $9,039,865 were 
received thereon, this latter being $4,069,901 in excess of 
losses paid. Of the entire amount ($871,117,341) $217,963,667 
was written by the mutual companies of the Commonwealth; 
$66,916,016 by the Massachusetts stock companies; $378,560,- 
995 by companies of other States; and $207,676,663 by 
branches of companies of other countries. In the losses paid, 
in the aggregate $4,969,964, the Massachusetts mutuals shared 
to the extent of $713,922; Massachusetts stock companies, 
$413,863; other States, $2,631,603; and foreign branches, 
$1,210,576; of the total amount paid for losses $1,171,462 was 
a legacy from the previous year. In proportion to premiums 
received, the mutuals incurred a loss of 29 per cent., the stock 
companies of 50 per cent., companies of other States 47 per 
cent., and foreign branches 46 percent. In marine insurance 
the mutual companies of this State wrote during the year the 
amount of $24,001,215 J stock companies, $49,542,355; com- 



INSURANCE COMMISSIONER. 



XI 



panics of other States, $99,822,743; and foreign brandies, 
$95,709,822. The tables show an extraordinary disparity 
between the different classes of companies as to proportion of 
losses incurred, premiums received and business transacted. 
The general and continued drift of the insurance business of 
Massachusetts towards foreign companies is shown with dis- 
couraging distinctness in the following comparison of the last 
year with a like period twelve years ago. 




The amount of insurance effected under the special broker's 
provision, in unauthorized companies, was $4,568,919, and the 
premiums received thereon $56,54 Lll. 



Permanent Fund of Mutual Companies. 

The tables and reports show that this fund, as established by 
the statute of last year, aggregated on the 1st of January, 
1890, the sum of $4,050,634. A trilling difficulty arose in 
its treatment in the present report, owing to the unusual 
shrinkage in the value of many securities, arising from the 
financial panic during the closing weeks of the year ; but it 
has been deemed wise to consider this as a matter pretty cer- 
tain to regulate itself, and to deal with the fund for the present 
year upon the basis of its establishment by law, especially as 
the change in values was not sufficient to make any consider- 
able change in the amount of the fund in the instance of any 
company, even under the extraordinary conditions of the money 
market at the close of the year. The operations of the law in 
relation to the distribution of any accumulation during the first 
five-year period will be watched with interest ; at all events the 
perpetually increasing "surplus" has been abolished, and the 



xii REPORT OF THE 

accumulation of so many years has been given permanent form 
and character where it will stand for the protection of the 
interests of the policy-holders in these institutions, of whose 
prudent and careful management Massachusetts has a right to 
be proud. 

Faiiewell, Ancient Friends. 

During the year the receiver of the City Mutual Fire Com- 
pany has closed its accounts and deposited the cash balance of 
funds for which no claimants were found, $634.92, in the' 
treasury of the Commonwealth; and now r , for the first time 
since the great Boston lire, the records of the department are 
free from the accounts of a receivership. There is no regret 
in saying farewell to the last of these. 

Funds of Companies of Foreign Countries. 

In the last annual report the status of the property of the 
United States branches of companies of foreign countries was 
considered at length, and notice was then given that in sub- 
sequent statements the provisions of the law in respect to its 
custody and control must be expected to apply. The following 
are the sections referred to : — 

Section 79. Such foreign company, if incorporated or associated 
under the laws of any government or state other than the United 
States or one of the United States, shall not be admitted until besides 
complying with the conditions of section seventy-eight it has made a 
deposit with the Treasurer of the Commonwealth or with the financial 
ofliccr of some other state of the United States of a sum not less 
than the capital required of like companies under this act. Such 
deposit must be in exclusive trust for the benefit and security of all the 
company's policy-holders anil creditors in the United States, and may 
be made in the securities but subject to the limitations specified in 
section thirty-four of this act, and such deposit shall be deemed for all 
purposes of the insurance la>cs the capital of the company making it. 

Section 81. Any admitted company of a foreign country may 
appoint trustees who are citizens of the United States and approved 
by the insurance commissioner to hold funds in trust for the benefit 
of its policy-holders and creditors in the United States. Said trustees 
shall be named by the directors of the company and a certified copy 
of the record of the appointment of such trustees and of the (]wd 
of 1 1 list shall be Bled in the office of the insurance commissioner, who 



[NSUKANCE COMMISSIONER. xiii 

may examine Bucb trustees and the assets in trust and all books and 

papers relating thereto in the Bame manner that he may examine the 

offi< _ i • n t - . assets and affairs of insurance companies. The 

funds so held by such trustees, so far as the same <<r< ] in securities, 

or credits admissible as sound assets in tlie financial accounts of 

insurance companies, shall, together with Us deposits made in accord' 

Uh section seventy-nine, constitute the assets of such company as 

irds its policy-Jiolders and creditors in the United States. 

The funds of the branches seem to have gravitated into four 
general divisions: (l) General deposit of securities in the 
hand- of the proper financial official or officials of some one or 
more of the States, by whom it is held in trust for the general 
benefit and protection of all the policy-holders and creditors in 
the United States, and which is considered by the law and 
treated in all respects like the capital of an American company. 
(2 ) Securities which have been delivered to trustees, citizens 
of the United State-, and funds accumulating in their hands in 
the course of business which, under the deed of trust, are held 
for the use and benefit of the business of the branch, and under 
such terms and in such manner as that they may not be with- 
drawn or diminished to the extent of impairing the protection 
of the obligations for which they are pledged. (3) Special 
deposits made for the exclusive benefit of a particular class of 
policies or the citizens of a particular State, and which are not 
therefore available for the general business. (4) Property in 
the hands of managers or attorneys who are not answerable to 
the trustees, or any other authority within the States, for its 
disposal, but is subject to the call of the Home Office and is 
therefore not bound for the satisfaction of American claims, 
the usual form of appointment of United States manager con- 
taining a distinct condition that in all his transactions he shall 
be governed by "the instiuctions he may have received, or 
shall from time to time receive," from the company ; and the 
funds in his hands are thus as completely at the disposal of 
the head office as are its home bank balances, — at any rate 
they are beyond the control of the trustees or any other custody 
responsible to the. laws of the States, and so long as this is the 
case these assets are clearly not admissible under the law as a 
credit in the financial statement. 



xiv KEPORT OF THE 

The first two of these divisions, therefore, comprise all the 
property which the company may lawfully claim as pledged 
for the protection of its American business, and in making up 
the abstract and tables for present report this rule has been 
observed. 

But while deducting the special deposits from the assets, 
the liabilities of the branch, of every sort, in the State where 
such deposit is held are also deducted in set-off from the 
total liabilities. 

There should also be mentioned another item which has led 
to some inquiry, that of unpaid premiums on risks reported as 
in force. These gross premiums are allowed as an asset only 
in off-set to the overcharge made in liabilities on account of 
the unearned premiums or reserve. As this charge for reserve 
in liabilities has been computed upon the assumption that all 
the premiums upon the risks reported had been actually paid 
and received, it is just that a credit should be allowed in assets 
for an amount equal to the unpaid portion. 

In compliance with the notice given last year by the Com- 
missioner as to the effect the application of the rule in the 
sections above quoted might have upon the future statements, 
in nearly every case the matter received prompt and careful 
attention, and no inconvenience or embarrassment has been 
met in making their exhibits cover the entire funds as fully as 
an American company could do, excepting only the items in 
hands of managers; and it is believed that hereafter there will 
be found no serious obstacle to placing these also in such con- 
dition as to render them acceptable as American assets ; and 
in respect to property and its control the branches may 
thus place themselves in fact as completely in the position 
of the American companies as they have claimed to be in 
theory. 

In the few cases where any change has been necessitated in 
order to bring the affairs into the condition required, and this 
being in progress and completed within the time allowed for 
the preparation of statements for the annual report, such 
changes have been permitted to be made and reported in 
supplemental statements, and incorporated in the abstracts, 
without prejudice to the standing as of December 31. 



INSURANCE COMMISSIONER. xv 



The Statistics of Fire Waste. 

Disguise it as we may under any form of words, alleviate it 
as we can by a distribution of* the burdens, the loss by fire is 
an annual waste, — a clear, complete destruction of so much 
oi' the property of the citizens of our Commonwealth. The 

department undertakes to collect and publish the statistics 
showing the extent, character and cause of this severe drain 
upon the resources of the community, and to attract attention 

to the causes in the hope and expectation that some time in the 
future, if not now, the people will become ai'OUSed to the 

unmistakable fact that fully three-fourths of the annual loss is 
from clearly preventable causes ; and when the remedy is 
applied, as it may be, the cost of insurance can be reduced in 
just this proportion. 

The statute of this Commonwealth in relation to investiga- 
tions into the causes of tires and returns thereof is producing 
most excellent results. The town and city authorities have 
become generally and cordially interested in the matter, with 
the evident result of much more careful inquiry into the causes 
of tires and a greater degree of accuracy in classification, 
which will render these tabulations of more value in the 
future. The department wishes to give expression of its 
indebtedness to the various officials of the towns and eities for 
the ready co-operation and faithful efforts to render these sta- 
tistics complete ; this year, for the first time, not a town or 
city is missing from the returns. 

It is proper to say in this connection that it is more than 
probable that a part of the increase in number of fires and 
consequent losses thereby in 1890, over ordinary years, is 
the result of more searching investigation by the city and 
town officials, more care in making the returns, and, as a 
result, more fires reported and greater accuracy in all direc- 
tions. 

The following table gives the number of fires, with the 
amount of loss, in Massachusetts during the past year, and 
includes, for the first time, as already stated, returns from 
every city and town : — 



XVI 



REPORT OF THE 





No. 


Loss. 




No. 


Loss. 




of Fires. 






of Fires. 




Abington, 


12 


1'2M7 ' 


Charlton, . 


5 


$16,094 


Acton, 


1 


300 


Chatham. . 


* 


- 


Acushnet, 


2 


4,700 


Chelmsford, 


1 


6,875 


Adams, 


9 


7,110 1 


Chelsea, 


45 


50,689 


Agawam,. 


9 


8,27!) 


( Jheshire, . 


* 


— 


Alford, . 


* 


- 


Chester, . 


* 


— 


Amesbury, 


9 


15,247 | 


I Chesterfield, . 


* 


- 


Amherst, . 


2 


4,330 


Chicopee, 


9 


50,539 


Andover, . 


2 


3,765 


Chilmark, 


* 


- 


Arlington, 


4 


7,530 


Clarksburg, 


1 


1,200 


Ashburnham, . 


4 


10,396 


Clinton, . 


9 


3,737 


Ash by, 


1 


125 


Cohasset, . 


6 


1,2(>7 


Ashfield, . 


2 


50 


Col rain, . 


1 


1,600 


Ashland, . 


3 


58,050 


Concord, . 


10 


25,054 


Athol, 


8 


94,136 


Conway, . 


6 


7,200 


Att it* bo rough, . 


* 


- 


Cottage City, . 


1 


3,000 


Auburn, . 


5 


3,667 


Cummington, . 


* 


- 


Avon, 


1 


85 


Dalton, 


* 


— 


Aver. 


* 


— 


Dana, 


3 


4,775 


Barnstable, 


2 


1,930 


Dan vers, . 


5 


39,547 


Barre, 


7 


5,875 


Dartmouth, 


3 


3,300 


Beckct, . 


8 


4,101 


; Dedham, . 


9 ■ 


8,423 


Bedford, . 


* 


— 


Deerfield, 


4 


16,000 


Belchertown, . 


9 


19,163 


Dennis, 


4 


6,482 


Bellingbam, 


4 


2,617 


■ Dighton, . 


3 


9,150 


Belmont, . 


2 


11,000 


Douglas, . 


2 


1,300 


Berkley, . 


1 


1,500 


Dover, 


* 


- 


Berlin, 


1 


300 


Dracut, 


5 


8,800 


Bernardston, . 


1 


700 


Dudley, . 


8 


32,675 


Beverly, . 


10 


9,282 


Dunstable, 


* 


- 


Bill erica, . 


* 


— 


Duxbury, . 


3 


375 


Black stone, 


8 


1,226 


E. Bridgewater, 


1 


3,000 


Blandford, 


1 


25 


Eastham, . 


1 


100 


Bolton, 


4 


620 


Easthampton, . 


2 


3,130 


Boston, . 


541 


1,027,314 


Easton, 


2 


850 


Bourne, . 


1 


2,000 


Edgartown, 


* 


- 


Boxborough, . 


1 


100 


Egremont, 


* 


- 


Boxford, . 


1 


1,425 


Enfield, . 


1 


1,800 


B03 Iston, . 


3 


1,530 


Erving, . 


2 


27,100 


Bradford, . 


2 


125 


Essex, 


* 


- 


Braintree, 


4 


10,215 


Everett, . 


10 


5,503 


Brewster, 


* 


— 


Fairhaven, 


4 


2,680 


Bridge water, . 


4 


2,305 


Fall Kiver, . 


53 


31,768 


Briuitield, 


4 


12,600 


Falmouth, 


* 


- 


Brockton, 


33 


68,436 


Fitchburg, 


21 


10,309 


Brookfield, 


3 


. 13,750 


Florida, . 


1 


18,000 


Brookline, 


6 


15,850 


Foxborough, . 


6 


15,449 


Buckland, 


1 


200 


Framingham, . 


16 


13,258 


Burlington, 


* 


— 


Franklin. . 


14 


21,386 


Cambridge, . 


57 


68,858 


Freetown, 


1 


1,180 


Canton, . 


9 


6,825 


Gardner, . 


8 


107,740 


Carlisle, . 


2 


881 


Gay Head, 


1 


4,000 


Carver, 


1 


10 


Georgetown, . 


3 


600 


Charlemont, 


2 


3,500 


GUI,. 


* 


— 



♦ N't) lire.-. 



INSURANCE COMMISSIONER. 



xvn 



No. 
of Fires. 



Loss. 



Gloucester, 

men, . 
Gosnold, . 
Grafton, . 
Granby, . 
Granville, 
(it. Barrinerton, 
Greenfield, 
Greenwich, 
Groton, 
Groveland, 
Hadley, . 
Halifax, . 
Hamilton, 
Hampden, 
I [ancock, . 
Hanover, . 
Hanson, . 
I lard wick, 
I [arvard, . 
Harwich, . 
Hatfield, . 
Haverhill, 

I law lev, . 

Heath,* . 

Hingham, 

Hinsdale, . 

Hoi brook, 

Holden, . 

Holland, . 

Holliston, 

Holtoke, 

Hopedale, 

Hopkinton, 

Hubbardston, 

Hudson, . 

Hull. 

Huntington, 

Hyde Park, 

Ipswich, . 

Kingston, 

Lakeville, 

Lancaster, 

Lanesborough, 

Lawrence, 

Lee, . 

Leicester, 

Lenox, 

Leominster, 

Leverett, . 

Lexington, 

Ley den, . 

Lincoln, . 

Littleton, . 



22 

* 

1 
:'» 
2 
1 
3 
7 
1 
1 
2 
4 
2 
1 

5 

* 

1 
2 

2 

* 

1 
3 

29 

* 

1 
4 
1 
3 

1 

* 

14 
32 
2 
6 
4 
4 
1 
3 
11 
2 

2 

* 

3 
1 
22 
4 
4 
4 

13 

* 

7 
1 

1 

* 



$108,325 
1,550 

12,275 
2,200 
9,000 

14,661 
4,168 
162 
3,725 
2,100 
7,:> 2<) 
5,300 
600 

15,22.-. 

1,325 

li;,275 
6,450 

350 
6,390 

75.- 

600 
6,338 

622 

14,270 

6,500 

14,905 

25,724 

7,050 

1,867 

2,470 

3,481 

5,500 

705 

14,445 

1,001 

3,705 

932 
1,000 
9,414 
7,621 

19,670 
7,908 

17,034 

15,810 
1,507 
4,150 



Longmeadow, 
Lowell, . 

Ludlow, . 
Lunenburg, 
Lynn, 
Lynnfield, 
Malden, . 

Manchester, 
Mansfield, 
Marblehead, 
Marion, . 
Marlborough, 
Marshfield, 
Mashpee, . 
Mattapoisett, 
Maynard, . 
Medfield, . 
Mcdford, . 
Mrdway, . 
Melrose, . 
Mendon, . 
Merrimac, 
Methuen, . 
Middleborough 
Middlefield, 
Middleton, 
Milford, . 
Mill bury, . 
Millis, . 
Milton, 
Monroe, . 
M on son, . 
Montague, 
Monterey, 
Montgomery, 
Mt. Washington 
Nab ant, . 
Nantucket, 
Xatick, 
Xeedham, 
Xew Ashford, 
New Bedford, 
Xew Braintree, 
Newbury, 
Xeavbukyport, 
Xew Marlboro,' 
.New baleni, 
Xeyvton, . 
Norfolk, . 
North Adams, . 

XOKTHAMPTON, 

North Andover, 
Xo. Attleboro 1 , 
Xorthborough, 



No. 
of Fires. 



Loss. 



4 

52 

4 

1 

73 

* 

9 
1 

11 

6 

* 

12 

* 

* 

2 

4 

* 

6 
11 
10 

2 

1 
5 

4 

* 

4 

18 

3 

2 

5 

* 

1 
6 

1 

* 

* 

* 

4 
9 

2 

* 

22 

* 

* 

13 

* 

3 

23 

* 

36 

13 

1 

6 

2 



$4,840 

72,849 

5,530 

750 

40,727 

7,681 

10 

12,890 

3,300 

11,280 



1,000 
9,161 

2,438 

16,240 

7,181 

930 

325 

17,259 

4,400 

1,190 

58,442 

12,515 

235 

13,942 

45 

11,400 
900 



425 
6,741 
7,445 

18,144 



14,231 

973 

44,128 

36,461 

12,721 

153 

30,255 

2,650 



* Xo fires. 



XV111 



REPORT OF THE 





No. 


Loss. 




No. 


Loss. 




of Fires. 






of Fires. 




Nbrthbridge, . 


1 


$250 


Sherborn, 


3 


$690 


No. Brookneld, 


4 


1,893 


Shirley, . 


2 


290 


Northfield, 


1 


5,000 


Shrewsbury, . 


* 


— 


North Reading, 


* 


- 


Shutesbury, 


1 


475 


Norton, . 


i > 
a 


158,566 


Somerset. 


* 


- 


Nbrwell, . 


1 


600 


SOMEKVILLE, . 


40 


4,5:;'.) 


Norwood, 


1 


4,600 


Southampton, . 


1 


1,900 


Oakham, . 


2 


4,650 


Southborough, . 


1 


616 


Orange, . 


4 


4,771 


South bridge, . 


3 


3,900 


Orleans, . 


* 


- 


South Hadley, . 


2 


8,482 


Otis.. 


1 


150 


South wick, 


2 


2,750 


Oxford, . 


1 


5 


Spencer, . 


5 


11,165 


Palmer, . 


9 


43,4:i7 


Springfield, . 


60 


35,019 


Paxton, . 


2 


3,400 


Sterling-, . 


4 


10,560 


Peabody, . 


9 


18,831 


Stockbridge, . 


1 


500 


Pelham, . 


1 


110 


Stoneham, 


6 


5,072 


Pembroke, 


* 


- 


Stoughton, 


6 


8,705 


Pepperell, 


11 


238,147 


Stow, 


* 


- 


Peru, 


* 


- 


Sturbridge, 


2 


2,950 


Petersham, 


7 


15,120 


Sudbury, . 


2 


2,025 


Phillipston, 


1 


1,700 


Sunderland, 


2 


3,675 


Pittsfield, . 


12 


36,194 


Sutton, 


7 


11,950 


Plain field, 


2 


• 1,550 


Swampscott, . 


* 


- 


Plymouth, 


7 


8,085 


Swanzey,. 




1,590 


Plympton, 


3 


3,400 


Taunton, 


39 


38,685 


Prescott, . 


2 


2,400 


Templeton, 


2 


34,100 


Princeton, 


* 


- 


Tewksbury, 


4 


38,385 


Provincetown, . 


3 


155 ! 


Tisbury, . 


* 


- 


QUIKCY, . 


24 


21,600 


Tolland, . 


* 


- 


Randolph, 


3 


3,775 


Topsfield, 


3 


1,450 


Raynham, 


7 


26,935 


Townsend, 


* 


- 


Reading, . 


1 


14,030 


Truro, . 


* 


- 


Rehoboth, 


2 


450 


Tyngsborough, 


* 


- 


Revere, . 


7 


34,601 


Tyringham, 


2 


700 


Richmond, 


1 


900 


I'pton, 


7 


9,836 


Rochester, 


* 


- 


Uxbridge, 


4 


1,202 


Rockland, 


19 


63,335 


Wakefield, 


5 


2,535 


Rockport, 


* 


- 


Wales, . 


* 


- 


Rowe, 


1 


325 


Walpole, . 


7 


80.550 


Rowley, . 


3 


734 


Waltham, 


27 


3,743 


Royalston, 


* 


- 


Ware, 


in 


17,755 


Russell, . 


* 


- 


Wareham, 


4 


5,696 


Rutland, . 


* 


- 


Warren, . 


3 


34,31<) 


Salem, 


41 


70,660 


Warwick, 


1 


100 


Salisbury, 


5 


4,900 


Washington, . 


* 


- 


Sandisfield, 


2 


1.790 


Watertown, 


9 


9,988 


Sandwich, 


* 


- 


Wayland, 


3 


1,000 


Saugus, . 


+ 


- 


W'ebster, . 


5 


869 


Savoy, 


* 


- 


Wellesley, 


2 


2,042 


Scituate, . 


* 


— 


Wellfleet, 


1 


15 


Seekonk, . 


2 


8,900 


Wendell, . 


2 


22,000 


Sharon, . 


1 


130 


Wenham, 


* 


— 


Sheffield, . 


* 


— 


Westborough, . 


9 


25,046 


Shelburne, 


* 




West Boylston, 


4 


7,906 



* No fires. 



INSURANCE COMMISSIONER. 



XIX 



\Y Bridgewater, 

W. Brookfield, . 

Westfield, 

Westford, 

Westhampton, . 

Westminster, . 

West Newbury, 

Weston, . 

Westport, 

W. Springfield, 

W. Stock bridge, 

Weymouth, 

Whately, . 

Whitman, 

Wilbraham, 



No. 
Of Fins. 



Loss. 



1 
1 

17 
2 

1 
2 
4 
8 
4 
7 
8 

* 

7 
* 



$500 

7,150 

28,669 

4,620 

300 
3,885 

935 
7,930 
2,605 
6,709 
2,465 
1,556 



Williamsburg,. 
Williamstown, 
Wilmington, . 
Winchendon, . 
Winchester, 
Windsor, . 
Winthrop, 
Woburn,. 
Worcester, . 
Worthington, . 
Wrentbam, 
Yarmouth, 



No. 
of Fires. 



3 
8 

10 

5 

* 

7 
18 

114 

* 

* 



Loss. 



$r>,335 
5,005 

40,870 
2,320 

10,852 

12,238 

109,883 



2,471 



t,G56,14 ( J 



* No tiros. 



The fire loss for the year 1890 was $4,656,149, which is 
$394,42<> below the average for thirteen years ; hut if the 
exceptional conflagrations in Lynn and Boston during the pre- 
vious year are excluded, the average loss would be $4,441,941, 
showing more than an ordinary loss during the past year. The 
total number of fires is, with the single exception of the previous 
year, the largest during the period covered by the tables ; the 
proportion of total to partial losses appears to be declining, pretty 
clearly indicating improved methods for fire extinguishment. 

In this connection it is interesting to note the degree of 
totality in relation to different classes of property. Of barns 
and stables in which fires occurred, 184 were totally and 113 
partially destroyed ; farm buildings, houses and barns connected, 
show a similar fatality, there being 48 total to 21 partial 
losses ; ice-houses are in the hazardous class and the loss was 
8 total to 1 partial ; livery stables follow closely with a record 
of 10 to 1 ; unoccupied buildings naturally keep well up in the 
list, 37 being totally and 27 partially destroyed ; on the other 
side, dwelling-houses show but 157 total to 902 partial losses ; 
grocery stores, 4 to 50 ; printing offices, to 12 ; furniture 
stores, 1 to 14; dry and fancy goods stores, 3 to 37 ; and 
clothing stores, to 13. 

The total number of buildings damaged or destroyed was 
2,471, of which 143 were from exposure. Of these, 541, with 
a loss of $1,027,314, were in the city of Boston, and 909, with 
a loss of $953,653, were in the other cities, more than one-half 



xx REPORT OF THE 

the number of fires and nearly one-half the loss in the entire 
State occurring in the cities. In 80 towns there were no fires, 
an exemption larger by 19 than during the previous year. 
The actual number of fires (omitting " exposures") w T as 2,328. 
The tables repeat the melancholy fact that an enormous 
proportion of the fire waste arises from carelessness, and, to a 
startling degree, from criminal carelessness; defective chim- 
neys, for the existence of which there can be no possible excuse, 
caused nearly one-tenth of all the fires of the year ; timber 
built into chimney, which would indicate a premeditated design 
to invite a conflagration, was the cause of five fires, and wood- 
work near stove or furnace, again a bit of sheer carelessness of 
construction, was the occasion of 18 fires. The reports as to 
kerosene oil, to which reference was made last year, showing 
that during 1890 there were 255 fires caused thereby, is a 
matter worthy of attention of the Legislature ; it would seem 
that existing laws as to the tests to be applied to this illuminant 
are wofully defective, or their enforcement sadly neglected, 
when the explosion or breakage of lamps or other vessels con- 
taining kerosene has a responsibility for 255 fires in this Com- 
monwealth. The official reporting for the town of Auburn hits 
the nail on the head when he says, relative to burning barns 
and farm buildings, "It will not do to go among cattle with 
kerosene oil." Matches come in for a larger responsibility for 
fires than any other single cause, 262 losses being credited to 
this source ; fire-crackers, which proved comparatively innocent 
in 1889, came into prominence again last year, causing 30 
fires ; tobacco continues to play quite an important part in the 
loss list, there being 6 fires from smoking in bed, 32 from 
other smoking, and 20 from cigar stubs put into cuspidors 
tilled with sawdust ; ashes placed in vessels of wood, — a bit 
of carelessness without shadow of excuse, — caused 56 fires, 
and spontaneous combustion is responsible for 123. There 
were 143 fires only from exposure, cases where loss ensued to 
buildings adjoining those in which the fires originated, this 
being the smallest number lor a series of years. Incendiary 
tires about hold the average, although probably the number 
thus reported IS too large; this, as well as the return of the 
" unknown," proving a convenient place for the tabulation of 
those lor which no apparent cause exists. In the face of all 
the discussion as to danger from electric wires, and the fact 



INSURANCE COMMISSIONER. xxi 

that protective methods have not been fully perfected in this 
direction, only 21 tires are reported from this cause. Tramps 
caused 1(5 tires, the largest number for years. Two fires are 
attributed, one of which proved a serious one, from "burning 
oft' paint," a process hazardous in the extreme, without excuse, 
and for the indulgence in winch the persons so engaged ought 
to be held criminally liable ; and one individual, lacking a 
gimlet, attempted to bore a hole in wood with a hot iron, at an 
expense of $2,100. Spark- caused more than one-sixteenth of 
all the tires, 155 altogether. Classified by months, July con- 
tinues to hold the lead, as it has pretty steadily for years, while 
September keeps at the foot of the list. 

If owners of property could carefully look over Table XVII., 
" Summary of causes," it is probable that many persons would 
discover that they were at a hazard they had hot contemplated, 
•and would quickly remove the disturbing cause. In Table 
XVI. all property is grouped in classes and each owner of 
dwelling, barn or store can there see the cause of misfortune 
to others in this property and, having this knowledge, perhaps 
avert misfortune to himself. The expense of preparing and 
printing these tables is borne by the State, and therefore paid 
for by the people in whose interest they are made, and yet they 
will come under the notice of but few, while to have the full 
effect for which they were intended they should be seen by the 
many. The town officials will be provided on request with as 
many copies as is possible, and on their kind offices will 
depend their circulation. 

Receipts and Expenditures. 

The cash income of the department for the year was 

$50,903.76, an increase of $4,367.17 over the previous year, 

and the largest in the history of the department. This increase 

was derived from $18,814.41 of valuation fees, and $32,089.35 

from license fees, certificates, statements and copies. The 

expenditures for all purposes were $24,821.13 and the surplus 

accruing was $26,082.63, this latter being $2,842.77 in excess 

of the previous year and larger than ever before. (Details in 

Table XIX.) 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



COMPARATIVE TABLES. 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies, 




* Forty-nine companies. 



f Fifty-one companies. 



X X V 1 



REPORT OF THE 



Comparative Table B. — Massachusetts Mutual Marine Insurance 

Companies. 





1889.* 


1890.* 


Increase or 
Decrease in 1890. 


Assets, ..... 


$978,210 


$806,232 


—$171,978 


Liabilities, .... 


244,887 


235,407 


—9,480 


Surplus, ..... 


733,323 


570,825 


-162,498 


Income, 


463,808 


583,140 


-f-119,332 


Expenditures, 


627,274 


560,230 


—67,044 


Risks written, 


35,100,023 


40,934,716 


+5,834,693 


Net jDreruiums received, 


442,128 


527,984 


-j-85,856 


Losses paid, .... 


471,676 


433,265 


—38,411 


Losses incurred, 


532,091 


462,835 


—69,256 


Risks outstanding, 


9,575,249 


7,734,119 


— 1,841,130 


Expenses, .... 


98,823 


92,291 


— 6,532 


Scrip dividends declared, 


- 


- 


- 


Scrip redeemed, 


25,717 


- 


—25,717 


Scrip outstanding, . 


663,032 


663,032 


- 



* Two companies. 



INSURANCE COMMISSIONER. 



xxvn 



Comparative Table C. — Massachusetts Joint-Stock Insurance 

Companies, 





1889." 


1890.* 


Increase or 
Decrease in 1890. 


(Dash capital, .... 


$5,807,200 


$5,807,200 


- 


Assets, ..... 


11,662,704 


12,144,984 


$482,280 


Liabilities, .... 


8,684,322 


3,655,743 


21,421 


Surplus, 


8,028,382 


8,489,241 


460,859 


Income 


5,084,918 


5,018,848 


—66,070 


Expenditures, 


5,248,030 


4,621,361 


— 626,669 


Fire risks written, . 


821,015,439 


338,258,438 


17,242,999 


Fire premiums received (net), 


3,224,478 


3,318,288 


93,815 


Marine risks written, . 


101,041,887 


87,879,682 


—13,162,205 


Marine premiums received 








(net) 


1,396,640 


1,219,326 


—177,314 


Fire losses paid, . 


2,258,777 


1,918,062 


—340,715 


Marine losses paid, 


1,121,266 


865,829 


—258,437 


Fire losses incurred, 


2,400,099 


1,840,267 


-559,832 


Marine losses incurred, . 


1,231,562 


1,010,830 


—220,732 


Fire risks outstanding, . 


390,245,241 


411,095,906 


20,850,665 


Marine risks outstanding, 


16,107,710 


14,646,242 


—1,461,468 


Expenses, .... 


1,431,122 


1,444,950 


13,828 


Cash dividends declared, 


434,432 


392,716 


—41,716 



* Fifteen companies. 



XXV111 



REPORT OF THE 



Comparative Table D. — Fire and Marine Insurance Companies of 

Other States. 





1889.* 


1890.1 


Increase or 
Decrease in 1890. 


Cash capital, .... 


$52,968,124 


$50,023,514 


—$2,944,610 


Assets, 


169,075,058 


171,842,356 


2,767,298 


Liabilities, .... 


67,998,842 


70,887,127 


2,888,285 


Surplus, 


101,076,216 


100,955,229 


-120,987 


Income, 


78,569,765 


80,806,898 


2,237,133 


Expenditures, 


77,604,666 


72,886,574 


—4,718,092 


Fire risks written, . 


7,310,264,577 


7,781,667,228 


471,402,651 


Fire premiums received (net), 


62,622,781 


65,390,130 


2,767,349 


Marine risks written, 


947,658,967 


1,319,582,172 


371,923,205 


Marine premiums received 








(net), 


8,226,821 


7,849,958 


—376,863 


Fire losses paid, 


38,447,281 


35,532,937 


—2,914,344 


Marine losses paid, 


6,313,507 


4,342,671 


—1,970,836 


Fire losses incurred, 


39,410,596 


35,647,129 


—3,763,467 


Marine losses incurred, . 


6,514,815 


4,397,059 


—2,117,756 


Fire risks outstanding, . 


9,339,563,417 


9,820,601,964 


481,038,547 


Marine risks outstanding, 


171,529,049 


177,333,838 


5,804,789 


Expenses, .... 


24,810,465 


25,639,467 


829,002 


Cash dividends declared; 


5,661,664 


5,447,453 


—214,211 



* One hundred and twelve companies. t One hundred and four companies. 



INSURANCE COMMISSIONER. 



XXIX 



Comparative Table E. — United States Branches of Foreign 

Companies. 





ISH!>.» 


1890.t 


Increase or 
Decrease in 1890. 


Cash capital, .... 


$7,779,500 


$8,252,450 


$472,950 


Assets in United States, 


1:5,152,806 


45,376,274 


2,223,468 


Liabilities in United States, . 


24,338,806 


27,285,537 


2,946,731 


Surplus, 


18,814,000 


18,090,737 


—723,263 


Income, 


32,209,336 


35,866,168 


3,566,832 


Expenditure 


30,071,054 


29,592,484 


—478,570 


Fire risks written, . 


3,732,943,250 


4,324,928,724 


591,985,474 


Fire premiums received (net). 


28,047,526 


31,846,789 


3,799,263 


Marine risks written, 


767,244,242 


682,783,223 


—84,461,019 


Marine premiums received 








(net), 


2,635,519 


2,307,530 


—327,989 


Fire losses paid, 


18,696,692 


17,272,770 


—1,423,922 


Marine losses paid, 


1,367,735 


1,254,930 


—112,805 


Fire losses incurred, 


18,438,654 


17,572,800 


—865,854 


Marine losses incurred, . 


1,460,101 


1,268,675 


—191,426 


Fire risks outstanding, . 


3,988,890,877 


4,575,839,038 


586,948,161 


Marine risks outstanding, 


29,156,255 


26,669,267 


—2,486,988 


Expenses, .... 


10,006,627 


11,064,789 


1,058,162 



* Twenty-seven companies. 



f Twenty-nine companies. 



XXX 



REPORT OF THE 



Comparative Table F. — Massachusetts Business.* 



• 


1889. 


1890. 


Increase or 
Decrease in 1890. 


Fire risks written, . 


$825,962,689 


$871,117,341 


$45,154,652 


Fire premiums received, 


8,601,963 


9,039,865 


437,902 


Fire losses paid, . 


8,241,478 


4,969,964 


—3,271,514 


Fire losses incurred, 


9,284,464 


3,798,502 


—5,485,962 


Marine risks written, . 


301,254,732 


269,076,135 


—32,178,597 


Marine premiums received, . 


2,746,182 


2,481,488 


—264,694 


Marine losses paid, 


2,087,452 


1,565,179 


—522,273 


Marine losses incurred, 


2,207,022 


1,556,677 


—650,345 



* For details of this business, see Table XIII. 



Comparative Ratios of Table F. 





1889. 


1890. 


Increase or 
Decrease 
in 1890. 


Fire premiums received to risks written, . 


1.04 


1.04 


- 


Fire losses incurred to risks written, 


1.12 


.11 


—60.71 


Fire losses incurred to premiums received, 


107.93 


42.02 


—61.07 


Marine premiums received to risks written, 


.91 


.92 


1.10 


Marine losses incurred to risks written, . 


.?;; 


.58 


—20.55 


Marine Losses incurred to premiums received, . 


80.37 


62.73 


— 21.95 



INSURANCE COMMISSIONER. 



XXXI 



. 



1>N». 



IVKI. 



Increase or 
Decrease i 



C'a-li capital, . 

- including contio _ 






g ,164 — |2,471,l 



of mutual comp&ni 






1 1 . 


Liabilities, .... 




228 


1,918 


Surplus .... 


131 




— 72 











enditur 


117. 


111/ 5,758 


— £ a 


Fire risks written, . 


11,75 


287 




Fire premiama 


- - - g 






Marine risk- written, 




2.: ~ 1 


28 


Marine premiums receive. 1 
(net) 


12,701, 


11. " 3 


—796,310 


Fire lid. 






— 4. ~ ." 


Marine loss - tid, 


r~ 


6,806,' 


—2, 8 


... 


' - 


- 


— "." 


Marine losses incurred, . 


- - 


7.130,399 


— ■: " ,17 


Fire risk- outstanding', . 


14.: " 257,477 


15,4* 


1,130,147, " 


Marine risks outstanding. 


22 


22 83,466 


15,2 


Expense .... 




384,765 


1,94 1 


-:i dividends declared. 


,096 


5£i .169 


—255, 27 



x xxii 



REPORT OF INSURANCE COMM'R. 



Table G. — Fire Risks Written, Premiums Received and Losses 
Incurred in Massachusetts during the Decade. 





Fire Risks Written. 


rremiums 
Received. 


Losses Incurred. 


Ratio 


OF — 


Year. 


Premiums 

Received to 

Risks Written. 


Losses 

Incurred to 

Risks Written. 


1881, . 


$642,542,633 


$5,815,354 


$2,884,047 


.91 


.45 


1882, . 


686,030,272 


6,244,053 


4,915,949 


.91 


.72 


1883, . 


710,197,514 


6,896,367 


3,763,949 


.97 


.53 


1884, . 


655,613,160 


7,067,149 


3,865,956 


1.08 


.59 


1885, . 


661,380,951 


7,402,583 


3,132,235 


1.12 


.47 


1886, . 


694,473,662 


7,838,425 


3,369,294 


1.13 


.49 


1887, . 


765,304,046 


8,371,714 


3,136,774 


1.09 


.41 


1888, . 


832,038,483 


8,702,006 


4,444,322 


1.05 


.53 


1889, . 


825,962,689 


8,601,963 


9,284,464 


1.04 


1.12 


1890, . 


871,117,341 


9,039,865 


3,798,502 


1.04 


.44 



STATISTICAL TABLES. 



XXXIV 



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XXXV 



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lxiv 



kfport of the 



Table XIII. — Massachusetts Business for 1890. 
Massachusetts Mutual Fire Companies. 



NAME OF COMPANY. 


Risks 


Premiums 


Contingent 


Losses 


Losses 




Written. 


Received. 


Assets. 


Paid. 


Incurred. 


Abington 


$3,283,765 


$46,156 


$46,156 


$23,161 


$25,939 


Annitsquam 


91,400 


- 


5,815 


244 


244 


Ark wright, 


25,790,747 


214,754 


1,073,768 


45,1 IS 


44,993 


Ashfield 


4,212 


21 


138 


22 


22 


Attleborough, .... 


376,647 


2,019 


4,037 


1,017 


1,017 


Barnstable County, 


2,090,550 


35,503 


105,180 


4,123 


4,123 


Berkshire 


1,780,308 


24,392 


24,392 


10,721 


10,721 


Boston Manufacturers', 


42,472,388 


356,085 


1,780,425 


43,611 


44,011 


Bristol County, .... 


379,330 


2,881 


28,020 


3,656 


3,602 


Cambridge 


3,356,921 


49,672 


49,672 


22,397 


23,117 


Citizens', 


4,979.863 


65,945 


65,945 


20,914 


20,914 


Cohasset 


59,775 


922 


2,765 


5 


5 


Cottou and Woolen, 


5,546.429 


54,703 


273,513 


4,319 


4,167 


Dedham, . . . . 


1,102,340 


16,781 


16,351 


5,511 


4,999 


Dorchester, 


7,039,563 


102,611 


102,611 


49,647 


50,597 


Electric 


762,222 


7,384 


36,919 


77 


77 


Essex, 


135,975 


2,552 


2,552 


152 


196 


Fall River Manufacturers', . 


11,321.984 


102,946 


514,731 


9,816 


9,775 


Fitchburg, 


6,577,844 


101,275 


101,275 


52,173 


55,802 


Franklin, 


977,187 


12,563 


12,563 


8,809 


6,469 


Groveland, 


398,060 


_ 


28,030 


788 


338 


Hampshire, 


831,445 


11,538 


11,538 


12,264 


12.102 


Ilinghara, 


3,866,483 


57,151 


57,151 


19,394 


20,922 


Holjoke, 


8,448,139 


118,176 


116,376 


48,934 


50,974 


Industrial, 


420,380 


2,856 


14,282 


- 


- 


Lowell, 


1,219,235 


17,714 


17,714 


3,021 


3,021 


Lynn, 


441,575 


6,118 


12,236 


1,051 


- 


Massachusetts 


3,212,415 


24,520 


24,520 


7,418 


',437 


Merchants' and Farmers', . 


6,181,130 


89,134 


89,134 


49,017 


35,629 


Merrimack, 


6,780,373 


103,883 


103,883 


42,088 


35,089 


Middlesex 


6,791,130 


100,911 


99,186 


26,503 


28,003 


Milford, 


717,110 


8,963 


8.963 


5,001 


5,743 


M ill Owners', .... 


15,093,675 


128,425 


642,125 


15,150 


16,082 


Mutual Fire Assurance, 


941,350 


14,067 


28,133 


2,004 


2,994 


Mutual Protection, 


281,580 


3,158 


3,158 


135 


135 


Newbury port, .... 


101,050 


1,272 


3,441 


62 


60 


Norfolk. 


8,384,360 


50,103 


48,594 


13.8SS 


12,968 


Paper Mill, 


1,898,898 


20,439 


102,195 


1,164 


1,164 


Patrons', 


90,120 


575 


1,726 


2.2S6 


115 


Quincy 


7,206,721 


105,585 


105,585 


53,951 


44,826 


Rubber Manufacturers', 


2,173,396 


23,248 


116,238 


135 


55 


Salem, 


319,025 


4,637 


4,637 


1,628 


1,628 


Salisbury and Amesbury, . 


•j;..:. 17 


209 


2,093 


15 


15 


Haugus, 


1,016,100 


- 


126,025 


610 


760 


Sbelburne 


2,000 


12 


125 


514 


- 


South Danvers, .... 


179,076 


3,806 


11,418 


247 


247 


Traders' and Mechanics', 


7,867,292 


120,037 


120,037 


47,402 


50,112 


Westford, 


89,025 


556 


1,067 


- 


1 890 


Wesl Newbury, .... 


271,492 


- 


14,982 


2,186 


- 


Worcester Manufacturers', . 


12,024,996 


104,991 


524,954 


12,612 


11,093 


Worcester M utual, 


7,691,242 


107,931 


107,931 


37,971 


34,937 


Totals, . 


$217,963,067 


12,429,180 


18,794,866 


$713,922 


$687,129 



INSURANCE COMMISSIONER. 



lxv 



Table XIII. — Massachusetts Business for 1890 — Continued. 



Massachusetts Mutual Marine Companies. 



nami: OF COMPANY. 


Risks 

Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 




$18,560,484 
•".,440,731 


$253,561 
127,858 


$138,041 
101,895 


$170,000 
97,146 


Totals, 


$24,01)1,215 


$381,419 


$239,936 


$267,14:. 



Massachusetts Joint-Stock Companies. 



Fire Business. 



American, . 
Boylston, . 
Dwelling- Mouse, . 

Eliot, 

Firemen's Fire, 

First National, 
Mercantile Fire and Marino, 
Neptune Fire and Marine, . 
North American, . 
Prudential 

Springfield Fire and Marine, 

Totals 



$5,628,525 
8,532,725 

3,427,330 
2,202,436 
7,442,124 

4,131,577 
1,933,715 
4,997,601 
9,493,345 
1,295,000 

17,831,638 



$66,916,016 



$54,801 
68,703 
19,823 
24,457 
61,959 

57,531 
14,641 

78,784 
80,546 
15,497 

177,975 



$654,717 



$15,856 

49,033 

3,008 

33,490 

24,465 

38,157 

7,844 

62,209 

55,907 

2,502 

121,392 



$413,863 



$26,520 

35,809 

2,612 

11,358 

12,572 

32,471 
10,080 
47,589 
41,546 
2,919 

104,376 



$327,852 



Marine Business. 



American, . 
Boston Marine, 
Boylston, . 
Equitable Marine, . 
Mercantile Fire and Marine, 

Salem Marine, 

Wellfleet 

Totals 



$586,761 

39,648,602 

4,873,146 

695,599 

1,488,094 

835,139 
1,415,014 



$49,542,355 



$20,494 

703,138 

34,545 

40,156 

27,563 

28,239 
49,525 



$903,660 



$26,981 

500,139 

31,403 

23,774 

21,261 

24,961 
40,045 



$668,564 



$23,440 

482,867 

32,603 

26,924 

18,388 

27,961 
25,106 

$637,289 



lxvi 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1S90 — Continued. 

Companies of Other States. 
Fire Busiiiess. 





Risks 


Premiums 


Losses 


Losses 


NAME OF COMPANY. 


Written. 


Received. 


Paid. 


Incurred. 


yEtna, 


$15,070,008 


$152,098 


$113,134 


$98,864 


Agricultural, 


2,309,445 


20,751 


6.371 


B.616 


Albany, 


1,383,104 


14,337 


8,281 


5,659 


Alliance, 


872,172 


8,833 


4,275 


4,275 


American (Newark), 


3,617,569 


32,503 


24,565 


12,474 


American Central, 


1,751,038 


14,957 


16,918 


5,991 


American Fire (New York), 


5,516,545 


52,760 


24,110 


21,030 


American Fire (Philadelphia), . 


8,475,319 


89,621 


40,240 


35,088 


Broadway, 


533,357 


3,009 


3,073 


3,073 


Buffalo German 


2,296,510 


20,761 


8,127 


6,130 


California, 


4,128,155 


47,143 


26,132 


18,312 


Citizens' (Cincinnati) 


735,271 


9,017 


30,925 


15,816 


Citizens' (New York), 


2,941,576 


30,210 


29,457 


12,498 


Citizens' (Pittsburgh), 


1,318,204 


14,859 


8,022 


3,512 


Citizens' (St. Louis) 


250,258 


2,561 


7,092 


731 


City Fire, 


675,276 


4,328 


1,445 


2,445 


Commerce, 


1,332,118 


15,110 


11,240 


4,218 


Commercial (Cal.) 


870,706 


9,751 


18,824 


5,622 


Commonwealth, 


2, 530, sir, 


14,727 


17,509 


10,950 


Concordia, 


506,191 


3,975 


5,903 


3,453 


Connecticut 


8,243,200 


90,115 


36,473 


33,921 


Continental, 


9,449,825 


96,129 


44,542 


40,136 


Delaware Mutual Safety 


5,103,841 


42,057 


19,981 


11,258 


Denver, 


1,205,892 


15,074 


2,953 


4,312 


Detroit Fire aud Marine, .... 


411,312 


2,308 


1,035 


993 


Empire State, 


736,692 


9,939 


9,143 


1,876 


Enterprise Fire and Marine, 


_ 


- 


- 


- 


Equitable Fire and Marine 


4,535,592 


45,184 


19,426 


15,765 


Exchange Fire 


2,303,413 


28,038 


10,932 


13,407 


Falls City 


483,103 


5,743 


154 


197 


Farragut, 


258,119 


3,500 


1,562 


1,510 


Fire Association of New York, . 


6,029,374 


32,874 


1,548 


1,376 


Fire Association of Philadelphia, 


9,482,097 


108,595 


64,541 


53,013 


Fire Insurance Co., County of Phila., 


1,146,383 


12,802 


16,563 


7,406 


Fireman's Fund, 


5,000,544 


54,929 


41,142 


30,437 


Firemen's (Baltimore), .... 


680,560 


7,376 


4,341 


2,041 


Firemen's (Newark), 


2,772,364 


25,302 


21,176 


13,894 


Franklin Fire 


3,593,080 


36,068 


21,817 


18,628 


German-American 


12,335,765 


101,068 


44,179 


37,499 


Germania Fire, 


3,629,216 


37,857 


63,695 


13,917 


Girard Fire and Marine 


2,137,059 


20,688 


14,424 


13,501 


Glen'a Falls, 


3,120,949 


30,932 


16,575 


13,137 


Granite State, 


4,734,957 


65,543 


23,812 


21,482 


Greenwich, 


1,179,250 


8,078 


3,993 


3,993 


Hanover, 


6,706,908 


63,711 


51,978 


35,868 


Halt ford Fire, 


9,286,636 


101,204 


84,141 


61,381 


Home, 


24,180,860 


217,966 


186,231 


154,224 


insurance Oo. of North America, 


13,866,842 


165,267 


102,430 


81,701 


Insurance Co., state of Pennsylvania, 


2,680,059 


36,488 


67,966 


17,658 


Jefferson ' 


704,116 


4,250 


1 ,497 


1,438 


Jersey City, 


970,639 


B.758 


13,219 


4,091 


Liberty, 


8,829,674 


47,1.'.'.! 


51,230 


18,879 


Lumbermen's, 


1149,518 


7,2.-.:; 


5,194 


1,620 


Manufacturers' and Builders', 


1,184,986 


11,521 


3,146 


3,667 


Marine [81 . Louis), 


220,795 


2,461 


1 ,220 


1 ,220 



[NSURANCE COMMISSIONER. 



lxvii 



T ible Kill. — Massach "softs Business for 1890 — Continued. 

Companies of Other States. 

Fire Business — Concluded. 





RlB 


Premiums 


Losses 


Losses 


XAMK OF COMI' A XV. 


Written. 


Received. 


Paid. 


Incurred. 


Mechanics' (Philadelphia), .... 




$10, 


$6,628 


$5,410 


Mechanics' and Traders' 


2,083,785 


17,811 


1,141 


1,063 


Merchants' Newark) 


9,31 






52,504 


Merchants' | Pro* Ldenee), . • • 


5,334 






14,220 


Merlden 


1,616,1 : 


48,937 


26,813 


18,908 


Michigan Fire and Marine 


4,1 66/274 


43,411 


16,754 


15,861 


Middlesex Mutual, 


114,781 


761 


- 


- 


Milwaukee Mechan .... 


1,2 




10,820 


9,070 


Mutual Fire 


6,31 


45,348 




40,342 


National Fire (Hartford) 


9,588,653 


102,590 


64,653 


64,815 


Xational Fire (New York) 


884, 16 


7.74''. 


36,094 


2,563 


Newark Fire 


1,4 


17,935 


29,801 


12,395 


New Hampshire Fire, 


10,498,454 


103,081 


77,050 


41,828 


New York Bowery 


3,573,480 


32,759 




13,875 


New York Fire, 


601,518 


5,929 


25,690 


3,397 


Niagara 


9,853,039 


114,069 


10.-) 


63,498 


North River 


881,401 


6,511 


1,314 


1.314 


Northwestern National, .... 


2.i '7 


17,293 


11,416 


7,721 


Orient 




80,140 




28,588 


Pacific Fire, 


-',202 




18,405 


9,725 


Packers' and Provision Dealers', 


4^2,910 




3,274 


2,268 


Pennsylvania Fire, 


7,389,075 


96.887 


46,026 


30,942 


People's Pittsburgh), 


1,269,290 


13,037 


4,475 


5,006 


People's Fire (Manchester), 


4,001,010 


51,759 


34,693 


25,477 


People's Fire (New York), .... 


621,937 


5,933 


14, '229 


319 


Phenix (New York), 


14,655,411 


142,819 


67,155 


71,276 


Phoenix (Hartford), 


9,558 


106,193 


54,179 


45,532 


Providence Washington, .... 


10,452,197 


101.0:;4 


39,712 


36,823 


Reading Fire, 


879,861 


8,069 


2,704 


2,852 


Reliance, 


1,856,020 


22,980 


14,593 


10,632 


Rochester German, 


2,661,870 


32,447 


15,204 


15,175 


Rutgers, 


761,000 


6,738 


3,534 


908 


Security, 


3,524,214 


33,521 


36,393 


14,556 


Spring Garden, 


3,675,677 


30,255 


13.665 


9,851 


St. Paul Fire aud Marine 


1,911,857 


20,115 


9,986 


12,260 


St. Paul German, 


1,093,418 


11,086 


999 


1,920 


Syndicate 


770,489 


8,235 


5,834 


4,016 


Teutonia, 


344,018 


2,684 


136 


159 


Traders', 


4,093,418 


52,321 


39,050 


25,556 


Union (Philadelphia) 


4,153,184 


43,142 


34,357 


26,673 


Union (San Francisco), .... 


1,443,897 


15,856 


15,483 


4,694 


United Firemen's, 


2,427,499 


21,153 


14,660 


7,457 


United States Fire, 


931.683 


6,276 


1,534 


1,134 


Westchester, 


5.721,816 


59,475 


38,509 


22,441 


Western, 


987,284 


11,533 


6,962 


7,999 


Williamsburgh City, 


2,438,753 
$378,560,995 


21,602 


6,729 


8,129 


Totals 


83,836,684 


$2,631,603 


$1,815,430 



1 x v i i i 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1S90 — Continued. 

Companies or Other States. 
Marine Business. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 

Received. 


Losses 
Paid. 


Losses 
Incurn d. 


Atlantic Mutual, 

California, 

Commercial Mutual, 

Delaware Mutual Safety, .... 
Equitable Fire and Marine 

Insurance Company of North America, 

Providence Washington 

United States Lloyds, 


$20,355,283 

4,517,482 

753,114 

19,795,457 

24,130 

31,087,444 

6,843,087 

16,446,746 

$99,822,743 


$132,663 

71,265 

13,574 

127,922 

59 

173,077 
55,381 
49,865 

$623,806 


$74,763 
62,461 

7,532 
51,345 

165,966 
31,600 

7,87S 


$74,763 
7."., 277 
12,032 

42,355 

125.000 

32,786 
13,469 


Totals 


$401,545 


$375,682 



United States Branches, Foreign Companies. 
Fire Business. 



Atlas, 










British America, 


$2,702,703 


$34,705 


$31,483 


$19,459 


City of London Fire, 


5,623,984 


69,939 


49,616 


48,285 


Commercial Union, 


13,378,981 


146,905 


86,211 


68,706 


Guardian Assurance, 


10,190,719 


113,528 


60,489 


64,496 


Hamburg-Bremen, 


3,412,558 


35,529 


16,759 


15,829 


Imperial Fire, 


12,057,372 


141,917 


75,318 


63,007 


Lancashire, 


8,712,052 


88,208 


38,962 


38,657 


Lion Fire, 


2,150,300 


22,659 


27,609 


8.411 


Liverpool and London and Globe, 


23,925,634 


240,424 


142,749 


104,039 


London Assurance, 


5,811,249 


54,211 


15,341 


14.104 


London aud Lancashire 


11,894,558 


105.4S2 


98,341 


66,001 


Manchester Fire, 


137,500 


1,282 


- 


- 


National Assurance, 


- 


- 


- 


- 


North British and Mercantile, 


12,561,201 


118,166 


79,553 


66,379 


Northern Assurance, 


9,036,990 


98,295 


53,500 


34,538 


Norwich Union, 


8,010,522 


91,386 


48,767 


30,483 


Phoenix Assurance, 


10.215,636 


115,605 


81,077 


58,034 


Queen, 


14,487,745 


139,818 


44,703 


44,114 


Royal 


23,385,654 


262,606 


116,752 


124,371 


Scottish Union and National, 


5,291,025 


39,683 


31,037 


7,893 


Sun Fire Office, 


13,959,000 


153,547 


86,495 


69,761 


Transatlantic Fire, 


1,508,233 


10,565 


7,630 


8,085 


United Fire Re-insurance, .... 


5,079,795 


5,373 


0,222 


1,220 


Western Assurance 


3,548,252 


29,451 


11,962 


12,269 




$207,676,663 


$2,119,284 


$1,210,576 


$968,091 



Marine Business. 



British and Foreign Marine, 

London Assurance, 

Marine, Loudon 

Thames and Mersey Marine, 

Union Marine, 

Western Assurance 


$42,025,151 

4,686,019 

80,226,778 

2,522,460 

14,549,147 
2,800,260 


$176,955 

30,376 
51,928 

11,470 

258,781 
48,143 


$106,410 

44,047 

20,811 

974 

39,858 
48,534 


|125,087 

44,047 

21,011 

2,580 

89,358 
43,878 


Totals 


195,709,822 


$572,603 


$255,134 


$276,561 



[NSURANCE COMMISSIONER. 



Ixix 



Table XIII. — Massachusetts Business for 1890 — Concluded. 

Recapitulation. 
Fire Business. 



NAME OF COMPANY. 



1 ; i - k s 
Written. 



Premiums 
Received. 



Losses 

Paid. 



Losses 
Incurred. 



Massachusetts Mutual Fire Companies j 
Massachusetts Joint-Stock Companies, 

Companies of Other States 

United States Branches, .... 


1217,963,667 

66,916,016 
378,560,995 
207,67ti,663 


$2,429,180 

654,717 
8,836,684 

2,119,284 


$713,922 

413,863 

2,631,603 

1,210,576 


$687,129 
327,852 

1,815.430 
968,091 




$871,117,341 


$9,039,865 


$4,969,964 


$3,798,502 



Murine Business. 



Massachusetts Mutual Marine Companies, $24,001,215 

Massachusetts Joint-Stock Companies, . 49,542,355 

Companies of Other States, . . . . 99,822,743 

United States Branches 95,709,822 



$381,419 
903,660 
623,806 
572,603 



Totals $269,076,135 $2,481,488 



$239,936 
668,564 
401,545 
255,134 



$1,565,179 



$267,145 
637,289 
375,682 
276,561 



$1,556,677 



lxx 



REPORT OF THE 



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INSURANCE COMMISSIONER. 



lxxv 



Comparison of Table XIV. for Thirteen Years. 



Ykar. 


N.>. <>f 
Fires. 


Insurance. 


Damage. 


Insurance Paid.* 


Total 
Loss. 


Partial 
Losses. 


1878, . . 


1,728 


$7,708,826 


13,683,265 


$2,574,841 


532 


1,196 


1870, . . 


1,852 


8,086,657 


3,626,430 


1,994,412 


605 


1,247 


1880, . . 


1,722 


11,088,541 


4,454,221 


3,422,1 l:; 


596 


1,126 


1881, . . 


1,694 


11,414,179 


4,312,642 


2,819,847 


511 


1,183 


1882, . . 


1.7 


12,406,617 


4,789,906 


4,480,797 


529 


1,229 


1883, . . 


2.2:;:; 


12,325,823 


t,686,759 


8,446,076 


666 


1,567 


1884, . . 


2,011 


18,635,872 


4,704,871 


4,226,1 11 


543 


1,468 


1885, . . 


1,828 


11,332,402 


4,169,7 


3,254,256 


482 


i,:;io 


1886, . . 


1,920 


12,566,854 


4,579,530 


3,313,892 


328 


1,592 


1887, . . 


2,238 


13,064,423 


4,220,32(1 


3,180,244 


519 


1,719 


1888, . . 


2,446 


16,988,030 


186,377 


3,732,885 


594 


1,852 

7 


1889, . . 


2,490 


22.912,441 


12,388,202 


8,211,478 


758 


1,732 


1890, . . 


2,471 


17,995,768 


4,656,149f 


4,969,96 1 

£49,656,929 


604 


1,867 


Total, . . 


26,391 


$171,495,433 


$65,657,476 


7,267 


19,124 


Average, . 


2,030 


13,176,571 


5,050,575 


3,819,764 


559 


1,471 



* As returned by the insurance companies. These amounts differ considerably from those 
given by the local authorities, the latter being necessarily in part estimates. The conflagrations 
of Lynn and Bostou in 1889 have thrown the average of yearly losses out of all due proportion. 
The ordinary loss in 1890 was $4,650,149, and eliminating the losses by " exposure " in the two 
fires named reduces the average to $4,441,941. 

t As nearly as can be ascertained of this amount $1,525,277 was for losses in Lynn and Boston 
occurring in 1889, but not paid by the companies until 1890, and therefore not included in their 
report for 1889. 



X X V 1 



REPORT OF THE 



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INSKKANCE COMMISSIONER. Ixxvii 



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Grain stores and elevators, . 


Greenhouses, ...... 

Grocery (including general country) stores 
Hardware stores, ..... 

Harness makers, 

Henneries, 

Hotels, 

Ice-houses, ...... 

Jewelry stores, ..... 

Junk shops, 

Laundries, 

Leather stores, ..... 


Liquor stores, 

Livery stables 

Lumber yards 

Lodge rooms, 

Machine shops, 

Markets (meat and fish), 



INSURANCE COMMISSIONER. lxxix 



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INSURANCE COMMISSIONER, 



I X X X 1 



Table XVI. — Causes of Fires Classified. 



Proferti . 



Causes of Fire. 



A Imshouses, 



(6) 



Bakei s, 



(IT)! 



Banks and offices, 



Barber shops, 



I 



(3) 



Barns and private Btables, . 



Blacksmith Bhops, 



Boarding and lodging houses. 



r 

• (15) < 

. (0) 



Books, stationery and p 

Bottlers, 
Brass finishers, 

Breweries, 
Brick kilns, . 
Broom factory, 
Brush maker, 
< 'aiming factory, . 

Candy makers, 

Card clothing factories, 



iper hangings, (5) 

• • • ('2) 

• • • (1) 
. . . (1) 

• • • (7) 
. . . (1) 

• • • (1) 

• • • (1) 

• ■ • (3) 

• • • (1) 



Cars and car sheds, 
Carriage factories, 

Churches, 

Cider mills, . 

Cigar stores and factories, 

Clothing stores, . 

Cluh and billiard rooms, 

Cobbler shops, 
Coffee and spice mills, 



(19) { 



(10) 



■ (U)< 

I 

• CD 

. (9) 

• (13) I 

[ 
. (13) j 

. (2) 

• (2) 



Overheated furnace, 1; clothes near stove, 1; 
incendiary, 1 : defective chimney, 1 ; careless 
use of matches, 1 ; naphtha vapor, 1. 

spontaneous combnstion, oily rags, 2; exposure, 

1 ; mice and matches, 1 ; Overheated men, I ; fat 

boiling over, 4; unknown, l; explosion of gas, 

1; incendiary, 1; stove found near partition, 2 ; 
sparks from chimney, 1 ; detective oven, 2. 

Wood work near gas, '2; open funnel hole, I; un- 
known, 4; mice and matches, 1 ; careless use of 
matches, 1; overheated stove, 1; incendiary, 2; 
Cigar stub in wooden spittoon, 3; exposure,]; 
ashes in wooden vessel, 1; electric wires, 1 ; ex- 
plosion of gas, 1; explosion of lamp, 1. 

Unknown, 1; incendiary, 1; explosion of kero- 
seue lamp, 1. 

Ashes in wooden vessel, 3; careless use of 
matches,:.; children playing with matches, 18; 
curtains near gas, 2; exposure, 17; fire-crackers, 
•"., incendiary, 70; explosion, lamp, 4; explosion, 
lantern, •">; breaking lamp, 7; breaking lantern, 
10; explosion, oil stove, 1; lightning, 23; mice 
and matches, 1; overheated stove, 3; smoking 
(hot ashes from pipe), 4; sparks from chimney, 
3 ; sparks from locomotive, 4 ; spark from stove, 
1; spontaneous combustion, ."> ; thawing water 
pipe, 1; tramps, 10; wood-work near ga.-, 1; 
unknown, 96; defective chimney, 2; fat boiling 
over, 1. 

Hot irou on wood, 1 ; wood -work near chimney, 2; 
spontaneous combustion, oily rags.l; spontane- 
ous combustion (cause unknown), 1; sparks 
from chimney, 3; unknown, 1; sparks from 
forge. 4: incendiary, 1; exposure, 1. 

Careless use of matches, 4; explosion of lamp, 1 ; 
breaking lamp, 1; unknown, 1; mice and 
matches, 1 ; spontaneous combustion, 1. 

Unknown, •-': breaking lamp, 2; defective chim- 
ney, 1. 

Explosion of boiler, 1 ; spontaneous combustion, 1 . 

Overheated retort, 1. 

Spontaneous combustion, oily rags, 1. 

Sparks from kiin, 7. 

Incendiary, 1. 

Spontaneous combustion, 1. 

Unknown, 1. 

Spontaneous combustion, 1; unknown, 1; chil- 
dren playing with matches, 1. 

Sparks from grinder, 1. 

Spontaneous combustion, 3; sparks from locomo- 
tive, 4; unknown, 2; explosion, 1; overheated 
stove, 4; explosion of lamp, 1; children plavim; 
with matches, 1; incendiary, 1; collision, 2. 

Unknown, 2; mice and matches, 1; soot, 1; incen- 
diary, 2; sparks from chimney, 1 ; exposure, 1; 
defective chimney, 1; explosion of oil stove, 1. 

Unknown, 3; defective chimney, 1; incendiary, 
1 ; plumber's fire-pot, 1 ; careless use of matches, 
1; overheated furnace, 2 ; exposure, 2; burning 
off paint, 1; electric wires, 1; children playing 
with matches, 1. 

Incendiary, 1. 

Overheated cigar dryer, 1 ; careless use of matches, 
2; incendiary, 2; smoking (ashes from pipe), 1; 
breaking lamp, 2; unknown, 1. 

Overheated stove, 1; unknown, 4; curtains near 
gas, 1; explosion of lamp, 2; electric wires, 3; 
soot, 1 ; defective chimney, 1. 

Cigar stub in wooden spittoon, 1; breaking lamp, 
2 ; exposure, 1 ; sparks from stove, 2 ; defective 
chimney, 1; unknown, 4; smoking (ashes from 
pipe), 1; wood-work near stove, 1. 

Careless use of matches, 1 ; spontaneous combus- 
tion, 1. 

Spark in coffee sifter, 2. 



lxxxii 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Pboferty. 



Causes of Fiue. 



Comb factories, 
Cooper shops, 
Cork makers, 



• CD 

• (3) 

• CD 



Cottou batting, waste houses, jute and 
shoddy mills, (18) 



Cotton mills, 

Creameries, .... 
Crockery and lamp stores, . 

Dining-rooms, 



(9) 

(2) 
(2) 
f 
(12)<{ 



Drug stores (15) < 



Dry and fancy goods stores, 



Dry houses (lumber), 



(40) < 



• (5)j 



Dwelling-houses,. 



(1,059) -< 



Dye-woods and chemical works, 

I >ye houses, 

Bled rif liu'lit stations, 

Electrical Instrument maker, 

BSiectrotypers, . 

Emery mill, 



(6) 



(3) 
(T)i 



(1) 
(1) 
(1) 



Farm buildings (house and barn eon- 
Dected) (09) s 



I'ii cworks manufactory, 
l-'loiir and grist mills, . 



• (1) 
. (3) 



Defective chimney, 1. 

Overheated stove, 1; incendiary, 1; unknown, 1. 

Spontaneous combustion, oily rags, 1. 

Unknown, 4; overheated journal, 3; sparks from 
picker, 3; spontaneous combustion, 4; sponta- 
neous combustion, oily rags, 1; incendiary, 1; 
smoking (ashes from pipe), 1; explosion, 
boiler, 1. 

Spontaneous combustion, 2; overheated journal, 
4; sparks from picker, 1; unknown, 1; explo- 
sion of lamp, 1. 

Overheated boiler, 1; unknown, 1. 

Overheated stove, 1; electric wires, 1. 

Exposure, 1; mice and matches, 1; ashes in 
wooden vessel, 1; unknown, 2; incendiary, 1; 
overheated oven, 1; breaking lamp, 1; over- 
heated stove, 3; wood-work near stove, 1. 

Careless use of matches, 4; overheated stove, 2; 
spontaneous combustion of oily rags, 1; mice 
and matches, 1; curtain near gas, 1; soot, 1; 
unknown, 2; breaking lamp, 1 ; naphtha vapor, 1 ; 
explosion of lamp, 1. 

Unknown, 9; careless use of matches, 2; cigar 
stub in wooden spittoon, 2; incendiary, 5; open 
funnel hole, 1; curtain or goods near gas, 6; 
wood-work near stove or candle, 2; electric 
wires, 2; exposure, 3; overheated stove, 2; 
breaking lamp, 2; spontaneous combustion, 1 ; 
spontaneous combustion of oily rags, 1; explo- 
sion of lamp, 2. 

From fire-box, 2; overheated furnace, 2; un- 
known, 1. 

A6hes in wooden vessels, 20; burning sulphur 
(fumigating), 2; careless use pf matches, 41; 
children playing with matches, 84; cigar stub 
in wooden spittoon, 5; clothes drying near 
stove, 20; curtains or goods exposed to gas or 
candle, 30; defective chimneys, 159; electric 
wires, 4 ; exposure, 6G ; explosion of gas, 2 ; fire- 
crackers, 20; fat boiling over, 7; hot iron on 
wood, 1; incendiary, 57; explosion, lamp, 60; 
breaking lamp, 45; breaking lantern, 1; explo- 
sion and upsetting oil stove, 24; lightning, 14; 
mice and matches, 31; plumber's lire-pot, 1; 
overheated stove or furnace, 41 ; reflected rays 
of sun,l; slaking lime, 2; smoking (hot ashes 
from pipe), 22; smoking in bed, 6; sparks from 
chimney, 30; sparks from locomotive, 8; sparks 
from stove, 15; spontaneous combustion, 14; 
spontaneous combustion, oily rags, 8; starting 
fire with kerosene, 3; tar boiling over, 1 ; thaw- 
ing water pipe, 10; wood-work near stove or 
funnel, 7; woodwork near gas or candle, 7; 
unknown, 158; melting resin, 1 ; gas leaking, 3; 
soot, 18; rags in funnel hole, 1; volatile oil 
(ignition of), 4; timber built into chimney,:;; 
open funnel hole, 3. 

Overheated wax, 1; volatile oil, 1; explosion of 
gas, 1; defective chimney, 1; slaking lime, 1; 
unknown, 1. 
Overheated steam pipe, 2; spontaneous combus- 
tion, 1. 
Electric wires, S ; explosion of gas, l; unknown, 2; 

overheated furnace, 1. 
Spontaneous combustion, 1. 
Spontaneous combustion, 1. 
Overheated stove, 1. 

Soot, 1; unknown, 20; lightning, 3; defective 
chimney, 13; incendiary, 10; breaking lantern, 
l; sparks from chimney, 2; exposure, 5; care- 
less use of matches, 1; smoking (asbes from 
pipe), 1; children with matches, 4; explosion 
of lamp, 1; explosion of lamp, 1; tramps, 1; 
■parks from stove, 1; candle near drapery, 1. 
Explosion of chemicals, l. 

Exposure, 1; incendiary, 1; stove funnel near 
partition, 1. 



INSURANCE COMMISSIONER. 



lxxxiii 



Table XVI. — Causes of Fires Classified — Continued. 



PBOPBB1 ^ . 



Causes of Fire. 



Forest Area 

FouDderles 

Fruit stoics 

Furniture factories; 

Furniture stores, . 

Furriers 

( las wm ks 

Glue makers, 

Greenhouses, 

Grain stores and elevators,. 



(84)5 

(11) | 

(9) 
(6) 



,,! 



(i) 
(i) 

(3) 

(1) 
(•3) 



Grocery (including general country) j 

st<>le~, (o4) ) 



Hardware stores, 
Harness makers, . 
Henneries, 

Hotel?, .... 

Ice-houses, . 

-Tew elry stores, 

Junk stores, . 

Laundries, . 

Leather stores, 
Liquor stores, 

Livery stables, 

Lumber yards, 
Lodge rooms, 

Machine shops, . 
Markets (meat and fish), 



• (") 

• (6) 

• (10) 

. (26) < 

I 

I 

• (9) 
. (2) 

• (6) 
. (6) 

• (4) 

• (9) 

r 

. (17K 

I 



. (5) 

. (8) 

• (33) < 
I 

r 

. (9)'< 

I 



I'nknown, 19; sparks from locomotive, 21 ; incen- 
diary, 8; exposure, t">; careless use of matches, 
8; children playing with matches, 2. 

Sparks from smelting furnace, •"> ; unknown, 2; 
spontaneous combustion, 1 ; careless use of 
matches, 1; exposure, 1 ; overheated stove, 1. 

Wood-work, near lamp, 1 ; unknown, 1 ; gas Leak- 
ing, 1; explosion of lamp, 3; fire crackers, 1; 
rats and matches, 1 ; naphtha vapor, 1. 

Incendiary, 1; spontaneous combustion of oily 
rags, 2; from fire-box, 2; explosion of lamp, 1. 

Sparks from stove, 1; cigar stub in wooden spit- 
toon, ]; unknown, 6; electric motor, 1; care 
Kss use of matches, 1; exposure, 1; explosion 
of lamp, 2; spontaneous comhustion, 1. 

Breaking lamp, 1. 

Explosion of retort, 1. 

Varnish boiling over, 1; drying-room overheated, 
1; exposure, 1. 

Overheated furnace, 1. 

Exposure, 2; unknown, 1. 

Explosion of lamp, 4; unknown, 12; careless use 
of matches, 3; mice and matches, 7; defective 
chimney, 5; spontaneous combustion, 2; cigar 
stub in wooden spittoon, 1; incendiary, 7; fire- 
crackers, 1; goods near gas, 2; from peanut 
roaster, 1; exposure, 3; breaking lamp, 2; 
sparks from locomotive, 1 ; sparks from stove, 
1 ; plumber's fire-pot, 1; electric wire, 1. 

Incendiary, 2; exposure, 1; cigar stub in wooden 
spittoon, 1; explosion, oil stove, 1; breaking 
lamp, 1 ; unknown, 1. 

Spontaneous combustion, 1 ; spontaneous combus- 
tion, oily rags, 1; exposure, 1; incendiary, 1; 
defective chimney, 1; overheated stove, 1. 

Explosion of lamp, 5; ashes in wooden vessel, 1; 
burning sulphur (fumigating), 1; incendiary, 
2; lightning, 1. 

Fat boiling over, 1; soot, 1; careless use of 
matches, 2; breaking lamp, 2; wood-work near 
lamp, 1; spontaneous combustion, 1; explosion 
of lamp, 1; overheated furnace, 2; defective 
chimney, S; gas leaking, 1 ; unknown, 4; curtain 
near gas, 1; overheated steam pipe, 1. 

Unknown, 4; incendiary, 5. 

Unknown, 1; breaking lamp, 1. 

Unknown, 1; spontaneous combustion, 3; chil- 
dren playing with matches, 1; explosion of 
lamp, 1. 

Opium lamp upset, 1; children with matches, 1; 
explosion, oil stove, 1; incendiary, 1; naphtha 
vapor, 1; overheated boiler, 1. 

Exposure, 2; spontaneous combustion, 1; funnel 
near partition, 1. 

Electric wires, 1; unknown, 1; overheated fur- 
nace, 3; mice and matches, 1; defective chim- 
ney, 1 ; exposure, 1 ; curtain near gas, 1. 

Incendiary, 3; children playing with matches, 3; 
ashes in wooden vessel, 1; unknown, 6; over- 
heated stove, 2; spontaneous combustion, 1; 
explosion of lamp, 1. 

Unknown, 1; incendiary, 2; sparks from chim- 
ney, 1 ; exposure, 1. 

Unknown, 2; electric wire, 1; cigar stub in 
wooden spittoon, 3; careless use of matches, 
1; ashes in wooden vessel, 1. 

Spontaneous combustion, oily rags, 7; sparks 
from chimney, 1; wood-work near stove, 1; 
ashes in wooden vessel, 1; defective chimney, 
2; unknown, 7; from fire-box, 3; fireworks, 1; 
hot iron on wood, 2; overheated stove, 3; over- 
heated journal, 1; sparks from forge, 1 ; sparks 
from emery wheel, 1 ; incendiary, 2. 

Spontaneous combustion, 1; spontaneous com- 
bustion, oily rags, 1; electric wires, 1; defec- 
tive chimney, 1; exposure, 1; breaking lamp, 
2; incendiary, 1; ashes in wooden vessel, 1. 



Ixxxiv 



KKPOKT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Pbopertj 



t \( sks OF KlKK. 



M Winery stores, . 




(8) 


Oiled clothiug factory, 
< »il refineries, 
oil stoves, 




(2) 

(D 
(1) 


Paint shops, . 




(9) 


Paint stores, . 

Paper box and envelope in; 


ikers, 


(1) 
(1) 


Paper mills, . 




(4) 


Paper and twine stores, 

Pawnbrokers, 




(2) 

(1) 


Photographers, 




(5) 


Pictnre-frame makers, 
Potteries, 




• (3) 

• (1) 



Printing offices, (13)' 



Public buildings, (8)^ 



Railroad depots (8) 

Rubber mills, (4) 

Rubber stores, (2) 

Sail makers, (2) 

Saw and planing mills, . . . (19) 



School-houses, (14H 



Sheds and outbuildings, . . . (30) < 



Shoe Factories (28) < 



Shoe stores, (11) 

Slaughter-houses, . . . . (1) 
Smoke bouses, (1) 

Soap boilers, (7) 

Stone workers, (2) 

Storehoui 



Stove and tinware simps, . . . (8) 

Straw bai and bonnel faotorles, . (4) 

Tailors (manufacturing), . . . (10) 

Tailors (merchant), .... (5) 



Open funnel hole, 1; curtain near gas, 2; un- 
known, 1 ; breaking lamp, 3 : overheated stove, 1. 

Oil boiling over, 1 ; overheated stove, 1. 

Unknown, 1. 

Ashes in wooden vessel, 1. 

Mice and matches, 1 ; spontaneous combustion, 1 ; 
spontaneous combustion, oily rags, 8; unknown, 
2; naphtha vapor, 1 ; explosion, gas, 1. 

Varnish boiling over, 1. 

Careless use of matches, 1. 

Unknown, 2; spontaneous combustion, 1; over- 
heated journal, 1. 

Unknown, 1; careless use of matches, 1. 

Escaping coal gas, 1. 

Incendiary, 1 ; explosion of lamp, 1 ; overheated 
stove, 3. 

Breaking lamp, 2; unknown, 1. 

Spontaneous combustion, 1. 

Boot, 1 ; electric wires, 1 ; fireworks, 1 ; exposure, 
1 ; mice and matches, 1 ; overheated furnace, 1 ; 
ashes in wooden vessel, 1 ; incendiary, 1 ; timber 
built into chimney, 1; children playing with 
matches, 1; unknown, 2; spontaneous combus- 
tion, oily rags, 1. 

Burning off paint, 1; breaking lamp, 1; unknown, 
1 ; smoking (ashes from pipe), 1 ; cigar stub in 
wooden spittoon, 2; incendiary, 1 ; spontaneous 
combustion, oily rags, 1. 

Careless use of matches, 1; spontaneous combus- 
tion, 2; overheated stove, 1 ; sparks from loco- 
motive, 3; unknown, 1. 

Spontaneous combustion, 4. 

Wood-work near gas. 1 ; unknown, 1. 

Ashes in wooden vessel, 1 ; incendiary, 1. 

Unknown,?; spontaneous combustion, 1 ; sparks 
from chimney, 2; from fire-box, 2; incendiary, 
3; overheated stove, 2; defective chimney, 1 ; 
explosion of lamp, 1. 

Overheated furnace, 4; defective chimney, 2; 
incendiary, 2; children playing with matches, 1 ; 
unknown, 2; exposure,!; spontaneous combus- 
tion, 1; soot, 1. 

Incendiary, (i; children playing witli matches,:;, 
overheated stove, 1; exposure, 3; unknown, t>; 
lightning, 1; careless use of matches, 2; lire- 
crackers, 1; ashes in wooden vessel, 2; spon- 
taneous combustion, 1 ; sparks from locomo- 
tive, 1. 

Electric wire, 1; unknown, 5; from fire-box, :'.; 
incendiary, 3; overheated stove, 3; exposure, 4; 
sparks from chimney, 1; breaking lamp, 1; 
spontaneous combustion, 4; defective chimney, 
-\ explosion of lamp, 1. 

Fire-crackers, 1 ; exposure, 2; explosion of lamp, 
2; unknown, 2; breaking lamp, 2; incendiary, 
1; overheated stove, 1. 

Overheated journal, 1. 

Sparks from smokepit, I. 

Breaking lantern, 1 ; fat boiling over, 2; unknown, 
-I; from Cue-box, 1 ; sparks from chimney, 1. 

Sparks from stove, 1 ; exposure, 1. 

Spontaneous combustion, 4; sparks from locomo- 
live, 2; incendiary, 2; exposure, 5; unknown, 
9; lightningi 1; slaking lime, 1; defective 
chimney, 1; sparks from chimney,:'.; ashes in 
wooden vessel, 1. 

Soot, 1 ; naphtha vapor, 1 ; exposure, 1 ; wood-work 
near <_'as, 1 ; timber built into chimney, 1 ; un- 
known, 1 ; fat boiling over, 1; explosion, ben- 
zine, 1. 

Careless use of matohes, 1; defective chimney, 1; 
goods near gas, l ; burning sulphur, l. 

Unknown, ■>: incendiary, S; overheated journal, 
l ; spontaneous combustion, 1. 

Naphtha vapor, 1 ; exposure, 1; spontaneous com- 
bustion, oily rags, 1; unknown, 1; defective 
chimney, 1. 



[NSURANCE COMMISSIONER. 



lxxxv 



T \ ble X V I . — Causes of Fires Classified — Concluded. 



Property . 



Causes of Fire. 



Tunnels, curriers and morocco 
dressers ( 

Tobacco barns (l) 



»i 



1 nclassed (content.- unknown, (oM 
confined to buildings), . . . (16) ) 



Undertakers, 
Unoccupied, . . 

Upholsterers, 

Vessels at wharf, . 

Wax and cement factories, 
Wood and coal yards, . 



Wood workers, with power (carriage and J 
furniture factories not included), . (23)1 



• (1) 
. (64) 

• (2) 

• (5) j 

• (4) j 

• (12) 



Wood- workers (without power), . (9) 



I 



Woollen mill*, 



(16) 



Unknown, 4; sparks from chimney, '2 ; exposure, 
1; defective cliimney, 1; thawing water pipe, 
1; spontaneous combustion, l ; from fire-box, 1. 

Unknown, 1. 

Breaking lamp, 2; unknown, 4; exposure, 2; 
sparks from chimney, 1 ; careless use of 
matches, l ; overheated furnace, 1; sparks from 
forge, 1; children playing with matches, 1; 
defective chimney, 1 ; spontaneous combustion, 
1 ; sparks from stov e, 1. 

Spontaneous combustion, oily rags, 1. 

Incendiary, 27 ; volatile oil, 1 ; defective chimney 
:'. : soot,]; plumber's fire-pot, 1; exposure,] 
slaking lime, 2; tramps, 3; unknown, 14 
children placing with matches, 6; overheated 

stove, 1; sparks from chimney , 1 ; spontaneous 
COmbUStion, 1 ; overheated stove, 1 j tire crack- 
ers, 1 ; lightning, 1 

Spontaneous combustion, 1 ; explosion of lamp, 1. 

Spontaneous combustion, oily rage, 1; incendiar\ , 
1 ; woodwork near stove, 3. 

Spontaneous combustion, 2; explosion, cement, 1 ; 
wax boiling o\ er, 1 

Spontaneous combustion, 4; sparks from locomo- 
tive, 3: Blaking lime, 1; tramps, 2; defective 
chimney, 1; from fire-box, 1. 

Unknown, 6; incendiary, '■',; breaking lantern, 1 ; 
overheated boiler, l; defective chimney, 2; 

sparks from chimney, 2j lightning, 1', over 

heated journal, 1; smoking 'ashes from pipe;, 

1; from fire-box, 2 ; hot iron on wood, 1 ; Bpon 
taneous combustion, oily rags, 1 ; explosion of 

lamp, 1. 
Open funnel hole, 1; incendiary, 2 ; unknown, 1 ; 

explosion of gas, 1 ; spontaneous combustion, 2; 

mice and matches, 1 ; sparks from chimney, 1 . 
Spontaneous combustion, 2; spontaneous com 

bust ion, oily rags, 1; defective chimney, 1; 

unknown, 5; sparks from picker, 7. 



1 xxxvi 



REPORT OF Till: 



Table XVII. — Summary of Causes. 





1890. 


IHHiK 


1888. 


1887. 


1H*«. 


lssr>. 


ISSl. 


Unknown, ....... 


487 


546 


605 


507 


4S4 


466 


416 


Incendiary, 


251 


235 


231 


256 


289 


278 


270 


I 'elective chimney, ..... 


220 


165 


196 


222 


168 


158 


150 


Exposure, 


14:; 


477 


205 


183 


210 


204 


B07 


Kerosene oil (breakage and explosion), • 


235 


217 


188 


176 


116 


114 


136 


Careless nse of matches 


81 


90 


113 


89 


62 


48 


45 


Fire-crackers, 


30 


3 


87 


85 


34 


16 


64 


Overheated stove or furnace, 


101 


08 


93 


83 


80 


68 


75 


Children playing with matches, . 


127 


116 


89 


75 


54 


61 


78 


Smoking, 


32 


33 


49 


58 


20 


32 


41 


Smoking in hed, 


6 


3 


3 


14 


14 


- 


- 


Sparks from chimney 


56 


43 


59 


49 


30 


75 


59 


Curtains and goods exposed to gas orcandle, 


46 


38 


45 


48 


31 


49 


42 


Lightning, ....... 


45 


25 


42 


47 


28 


37 


29 


Sparks from locomotive 


48 


34 


42 


38 


23 


15 


26 


Prom fire-box (boiler room), 


18 


17 


10 


26 


18 


11 


14 


Spontaneous combustion, oily rags, . 


35 


45 


27 


26 


- 


- 


- 


Spontaneous combustion, cause unknown, 


88 


28 


51 


23 


61 


60 


61 


Mice and matches, 


50 


25 


31 


25 


18 


10 


28 


Soot igniting, 


28 


35 


29 


18 


20 


8 


8 


Ashes in wooden vessels, .... 


36 


19 


34 


17 


21 


14 


26 


Wood -work near stove or funnel, 


18 


11 


18 


17 


5 


11 


8 


Wood-work near gas or candle, . 


16 


14 


16 


- 


5 


- 


- 


Volatile oil, ignition of, ... . 


20 


16 


21 


15 


15 


10 


11 


Overheated journal 


12 


17 


13 


14 


10 


13 


6 


Fat boiling over 


18 


9 


6 


14 


4 


7 


3 


Electric wires, 


21 


7 


8 


14 


4 


3 


6 


Sparks from picker, 


11 


6 


6 


12 


9 


2 


5 


Sparks from stove or fireplace, . 


25 


7 


26 


11 


8 


12 


6 


Cigar stub in wooden spittoon, . 


20 


15 


9 


10 


7 


- 


- 


Clothes drying near stove 


21 


12 


15 


10 


5 


7 


15 


Hot iron on wood-work 


5 


7 


4 


7 


3 


1 


4 


Sparks from forge 


6 


8 


5 


7 


5 


2 


7 


Thawing water pipe, 


12 


8 


27 


7 


15 


12 


20 


Ex plosion of gas, 


11 


8 


5 


5 


3 


3 


4 


Tar boiling over 


1 


4 


1 


4 


2 


4 


- 


Rags in funnel hole 


1 


2 


- 


4 


2 


- 


- 


Timber built into chimney, 


5 


- 


- 


3 


- 


2 


3 


Overheated steam pipe, .... 


3 


4 


7 


3 


4 


- 


4 


Starting fire with kerosene, 


3 


2 


4 


3 


4 


- 


- 


Overheated oven, 


7 


8 


5 


2 


3 


- 


- 


Tramps, 


16 


14 


10 


2 


10 


4 


14 


Sparks from emery wheel 


2 


1 


- 


1 


- 


- 


- 


Plumber's tire-pot 


4 


7 


4 


- 


3 


5 


8 


Slaking lime, 


7 


1 


5 


1 


3 


3 


3 


Sparks from kiln (brick) 


7 


3 


- 


- 


3 


1 


4 


Explosion of boiler, 


4 


1 


- 


- 


2 


2 


1 


Burning sylphur (fumigating), . 


4 


2 


- 


- 


- 


- 


- 


Reflected rays of sun, . ... 


1 


2 


- 


- 


- 


- 


- 


Bparks from smelting furnace, . 


3 


- 


- 


- 


- 


- 


- 


Burning off paint, 


2 


- 


- 


- 


- 


- 


- 


Melting resin, 


4 


- 


- 


- 


- 


- 


- 


< ias Leaking, . 


5 


- 


- 


- 


- 


— 


— 


Open funnel bole 


7 


- 


- 


- 


- 


- 


- 


Kail road collision, ..... 


2 


- 


- 


- 


- 


- 


" 




2,471 


2,490 


2,446 


2,238 


1,920 


1,828 


2,011 



INSURANCE COMMISSIONER. 



Ixxxvii 



Table XVI II. — Fires by Months for Thirteen Years. 



TEAR. 


u 
el 

3 
P 
03 


>> 

u. 

.-; 

3 

■- 
- 


a 

j- 


t5 

— 

< 


>> 


o 

a 

3 


o 


■ 

3 
M 

3 

< 


- 
E 

V 

ft 
e 

GO 


■- 
a> 
J= 
o 

a 
O 


•~ 
a 

= 

9 

> 
O 


■- 
<u 

S 

« 
a> 

P 


00 

a. 

s- 

"3 
o 


1878, . 


168 


107 


126 


141 


102 


125 


155 


188 


142 


170 


157 


142 


1,728 


. 


161 


156 


144 


190 


134 


129 


161 


141 


146 


162 


147 


179 


1,852 


1880, . 


108 


143 


137 


147 


116 


133 


157 


155 


124 


173 


144 


185 


1,722 


1881, . 


175 


142 


135 


195 


131 


101 


163 


100 


111 


193 


132 


116 


1,094 


. 


143 


126 


130 


174 


150 


194 


147 


151 


97 


14.'. 


172 


129 


1,758 


. 


187 


130 


156 


140 


192 


151 


245 


286 




129 


169 


226 


2,233 


1884, . 


191 


137 


117 


117 


1 63 


219 


268 


130 


138 


178 


158 


195 


2,011 


. . 


175 


117 


164 


206 


14.'. 


156 


190 


133 


162 


143 


91 


146 


1,828 


1886, . 


142 


172 


159 


159 


136 


156 


228 


124 


149 


169 


147 


185 


1 ,920 


1887, . 


161 


138 


170 


ISO 


324 


161 


251 


146 


134 


202 


179 


192 


2,238 


1888, . 


225 


154 


199 


265 


198 


175 


335 


172 


147 


151 


176 


249 


2,446 


. 


201 


183 


229 


221 


203 


150 


157 


141 


145 


187 


498 


175 


2,490 


1890, . 


228 


172 


180 


278 


181 


172 


308 


183 


146 


189 


175 


259 


2,471 


Total, . 


2,265 


1,876 


2,046 


2,413 


2,235 


2,021 


2,763 


1,995 


1,863 


2,191 


2,345 


2,378 


26,391 


Average, 


IT.'. 


144 


157 


186 


172 


155 


213 


153 


143 


169 


180 


183 


2,030 



* Prior to 18S3 no returns were made of " forest fires," and consequently they do not appear 
in the tabulation until that year. They are included each year since, and are as follows: In 
1883,99; 1S84,46; 1885,66; 1886,90; 1887,127; 1888,105; 1889,70; 1890,64; thereby increasing 
the ratio of the last-named years over the former ones. 



lxxxviii REPORT OF INSURANCE COMM'R. 

Table XIX. — Statement of the Receipts and Expenditures of the 
Insurance Department for the Year ending Dec. 31, 1S90. 

[Made pursuant to Chap. 214, Sect. 17, Acts of 1887.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing statements, certificates, etc., 



$18,814 41 
32,089 35 



$50,90:* 7G 



Expenditures. 



Commissioner. 








George S. Merrill, Salary, 


• 


• 


$3,500 00 


Deputy Commissioner. 








William S. Smith, Salary, 


• 


• 


2,500 00 


Clerks. 




- 




Fred L. Cutting, First, 


$2,000 C 




James E. Shepard, Second, 


. . . • 


1,500 


00 




Philip A. Hartley, Third, . 


. 


1,200 


00 


4,700 00 


Extra Clerks 








Alice M. Hawes, . 


. . . • 


$1,200 


00 




Emma W. Cushman, . 


, , 




1,200 


00 




( 'harlotte E. Weis, 


, 




1,000 


00 




.Mary L. McMann, 


, , 




, 840 


00 




Ella L Johnson, , 


, , 




840 


00 




Sarah E. Flint, . 


( , 




840 


00 




Mary E. Burrill, . 


, 




840 


00 




Florence E. Gowell, . 


, 




840 00 




( !aroline L. Sawyer, . 


, , 




840 


00 




Virgini I. Bryant, 


, 




500 


00 




Fanny M Fage, .... 


. 




720 00 




Ellen J. Cusack, ... 




CG0 


00 




Alice A. Maguire, to August 31, 




560 


00 




A Hie N. Tenney, 




420 


00 




Frances M Bobbins, from September 1, 




200 


00 




Grace L. Moore, from December 1, . 




50 


00 




Mary \V. Longee, from October 6 to 31, 




41 


ill 










11591 94 


Gener \i. Expenditures. 








Printing and binding, .... 


$1,398 


20 




Travelling expenses, . 


, 




222 


22 




Postage, .... 


, 




587 


00 




Stationery, .... 


. 




120 


28 




Telegrams and express, 


, 




187 


1!) 




Newspapers, books, etc., 


, 




30 


50 




Stenographic work, . 


. 




38 


80 




■ 






2,529 ID 






Total expenditures for 1890, 


$24,821 18 


Fees collected and paid into State Treasury, . 


• 


• 


50,903 76 


Surplus accrued to ( iommoi 


iwealth, 


• 


$20,082 63 



MASSACHUSETTS MUTUAL 



FIRE INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1890. 



MASSACHUSETTS MUTUAL FIRE [Deo. .31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1857.] 

Henry B. Peirce, President. Carlos P. Faunce, Secretary. 



Amount of permanent fund, .... 
Detailed Statement of Stocks, 



N. E Telephone and Telegraph Co. bonds, 

Boston United Gas Co. bonds, . 

Marion County (Ind.) bonds, . 

Ramsey County (Minn.) bonds, 

Toledo (Ohio) city bonds, 

Omaha (Neb.) city bonds, 

Lincoln (Neb.) city bonds, 

St. Paul (Minn.) city bonds, 

Chicago, Burlington & Quincy R R. bonds, 

Portland & Ogdensburg R R bonds, 

Naumkeag Street Railway bonds, . 

Rutland R.R. bonds, ..... 

Providence & Springfield R R. bonds, 

20 shares Oregon Railway & Navigation Co., 
10 ' 
10 ' 
14 ' 

21 ' 
28 ' 

5 ' 
20 ' 
13 ' 



State National Bank, Boston, . 
Nat'l Hide and Leather Bank, Boston 
First National Bank, Salem, 
First National Bank, Danvers, . 
Metropolitan National Bank, Boston 
Old Boston National Bank, Boston, 
South End National Bank, Boston, 
Abington National Bank, Abington, 



Securities held as collateral for cash loans: — 



Equitable Mortgage Company debentures, 



$41,728 54 
Bonds, etc. 

Par Value. Market Value. 

$1,000 00 $1,045 00 

2,000 00 1,760 00 

1,000 00 1,057 50 

1,000 00 1,140 00 

2,000 00 2,232 50 

2,000 00 2,040 00 

2,000 00 2,015 00 

1,000 00 1,270 00 

500 00 540 00 

5,000 00 5,250 00 

3,000 00 ' 3,000 00 

3,000 00 3,330 00 

1,000 00 1,020 00 

2,000 00 1,600 00 

1,000 00 1,260 00 

1,000 00 1,300 00 

1,400 00 4,872 50 

1,575 00 1,638 00 

2,800 00 2,604 00 

500 00 601 25 

2,000 00 2,000 00 

1,300 00 1,690 00 

$38,075 00 $40,265 75 



Bfarkel Value. 

$1,000 00 



Loaned Thereon. 

$1,000 00 



Simmary of Assets, Dec. 31, 1890. 

Casb value of unencumbered real estate, . $4,500 00 

Loans on mortgage of real estate (first liens), 42,980 00 

stocks, bonds, etc., as per schedule, . . 40,265 75 

Loans <>n collateral security, as per schedule, 1,000 00 

Loans on personal security, .... 900 00 

Cash in the office of the company, . . . 2,160 67 

Cash deposited in bank, 2,328 65 



L890.] 



INSURANCE COMPANIES. 



Interest due and accrued, $1,396 69 

Bents due and accrued, 114. 00 

Balance due on real estate sold, . . • 4,48 

Gr is 

LiAiwi.nii 9. 

djnsted, unpaid, $5,300 64 

Unearned premiums on outstanding risks, . 6u,7l v 

Surplus due on terminated poli . . 561 79 

Incidental expei 160 00 

< iress liability .... 



Net cash ass 



,134 76 



_'0 79 
133,413 97 



[ncome. 
i premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
ived for interest on mortgag 9, 

for interest from other sources, 

for rents 

for dividends on policies re-insured, 

Gro>- cash income, .... 



7 41 
4,407 82 

,249 59 

•J. 7:'." 55 

2,600 35 

370 00 

30 53 

161,981 02 



Expenditures, 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees 

for interest on borrowed money, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$23,588 29 
7,306 60 
3,130 75 

35 94 

9 57 

435 00 

12,178 26 

2,08-4 80 

$49,329 21 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $7,457,213 00 



Risks written during 1890, 

Total, 
Risks terminated during 1890, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, 



3,585,917 00 

811,043.130 00 
2,906,712 00 

$8,136,418 00 
77,850 00 



Cash Prem's. 

$112,678 89 
-49,912 43 

8162,591 32 
40,172 18 

8122,419 14 
982 41 



Conting't Prem's. 

-5112,678 89 
49,912 43 

$162,591 32 

40,172 18 

8122,419 14 



58,568 00 $121,436 73 8122,419 14 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1890, 25, 40, 



.-,888 93 
60 per cent. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 1, 1847. Commenced business Dec. 28, 1847.] 

Moses II. Clough, President. James S. Jewett, Secretary. 

[KOTB. — This company charges a cash premium adequate for expenses only, and relies upon 
-inents on deposit notes to pay losses.] 



Amount of permanent fund Dec. 31, 1889, 
Increase during; the year, .... 



Permanent fund Dec. 31, 1890, 



$234 92 
9 50 

$244 42 



Summary of Assets, Dec. 31, 1890. 

Loans on mortgage of real estate (first liens), 

United States bonds, 

Loans on personal security, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Office safe, f 85 00 

Gross assets, 



|3,152 00 


605 


00 


342 


00 


150 


14 


3,677 


20 


112 


47 



5,038 81 



Income. 

Received for interest on mortgages, 

for interest from all other sources, 
from assessments on deposit notes, 
Gross cash income, 



$228 30 

40 25 

268 31 



)36 86 



Expenditures. 
Paid for losses during the year, 

for salaries and fees of officers and em 

ployees, 

for state and local taxes, . 
for expense assessments returned, 
for incidental expenses, 
(J loss cash expenditures, . 

Miscellaneous 

Risks outstanding Dec. 81, 1889, 
Risks written during 1890, 

Total, 

Risks terminated during 1890, . 

In force :it end of \ ear, .... 
Losses incurred during the year, 



$243 55 



358 00 




1 82 




20 03 




19 91 






$643 31 




Amount. 


Deposit Notes. 


$371,117 


$24,087 95 


91,400 


5,815 00 



$462,517 

86,885 

$875,632 



$29,902 95 

5,677 30 

$24,225 65 

$243 55 



1890.] 



INSURANCE COMPANIES. 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 

Waldo Higginson, President. D. W. Bartlett, Secretary. 

Office, No. 31 Milk Street. 
Detailed Statement <h Stocks, Bonds, Etc. 



United Stales bonds, . 
Massachusetts State bonds, 

Worcester city bonds, 

( lam bridge city bonds, 

Boston city bonds, 

Providence city bonds, 

Waltham city bonds, 

Boston & Albany Railroad bonds, 

Fitchburg Railroad bonds, 

Old Colony Railroad bonds, 

Boston & Maine Railroad bonds, 

Eastern Railroad bonds, . 

Boston & Lowell Railroad bonds, 

Chicago, Burlington & Quincy R.R. bond 

Philadelphia, Wilm. & Baltimore R.R. bonds, 

New York, Providence & Boston R.R bonds, 

50 shares Chicago, Burlington & Quincy R R , 

Corporation notes, 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest accrued, .... 
Gross assets, .... 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Taxes 



Par Value. 

$25,000 00 
20,000 00 
25,000 00 
15,000 00 
20,000 00 
20,000 00 
10,000 00 
33,000 00 
25,000 00 
45,000 00 
25,000 00 
10,000 00 
12,000 00 
30,000 00 
20,000 00 
10,000 00 
5,000 00 
20,000 00 



Market Value. 

$30,250 00 
20,700 00 
24,500 00 
15,750 00 
21,000 00 
22,200 00 
10,400 00 
38,840 00 
25,900 00 
48,280 00 
26,750 00 
12,300 00 
12,720 00 
30,300 00 
21,200 00 
10,200 00 
4,450 00 
20,000 00 



$370,000 00 $393,740 00 

31, 1890. 

$393,740 00 

2,934 22 

52,736 32 

5,707 08 

$455,117 62 



Gross liabilities, .... 

Net cash assets, 

Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest from all sources, 

Gross cash income, . 



$5,000 00 

222,598 71 

801 09 



228,399 80 
$226,717 82 

$465,788 54 
19,487 04 

$446,301 50 
15,728 34 

$462,029 84 



6 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures 

Paid for losses during the year, 

\\>v inspections, .... 

for salaries and fees of officers and employees 
for State and local taxes, . 

for rents, 

for proiits or surplus on terminated 
for incidental expenses, . 

Gross cash expenditures, . 



policies, 



$79,950 52 

7,799 80 

12,786 67 

4,391 50 

1,028 20 

328,899 28 
2,046 38 

$436,902 35 



Miscellaneous. 

Amount. Cash Prem's. C'ontfng't Prem's. 

Risks outstanding Dec. 31, 1889, $49,788,305 00 $ 431,020 86 $2,155,104 30 

Risks written during 1890, . 55,385,962 00 465,788 54 2,328,942 70 



Total, .... $105,174,267 00 $896,809 40 $4,484,047 00 

Risks terminated during 1890, . 52,667,472 00 451,611 97 2,258,059 85 



In force at end of year, . . $52,506,795 00 $445,197 43 $2,225,987 15 

Losses incurred during the year, $82,697 62 

Percentage of profits or surplus returned during 1890, 76y\^ per cent. 
Average rate to date, 71 t 7 o q per cent. 



ASIIFIELD MUTUAL FIRE INSURANCE COMPANY, 

ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

Henby S. Ranney, President. ' Asa G. Wait, Secretary. 

[Note. — Insures property in the town of Ashfield only.] 

Summary of Assets, Dec. 31, 1880. 
Loans on personal security, .... 
( !asb in the office of the company, . 

Cash deposited in bank, 

Gross assets, 

Income. 

( lash premium received during the year, 
Deduct return premiums, .... 

Net cash premiums received, .... 
Received for interest from all sources, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, 

Paid for State (axes, 

( J-roSfl cash expenditures, .... 



f 17 63 

63 50 
610 83 


$691 96 

$21 08 
1 59 






$19 49 
24 05 


• ■ • 


$43 54 

$22 50 
23 



$22 73 



1890.] 



[NSURANCE COMPANIES. 



Miscellaneous 



Risks outstanding Dec 81, 1889, 
Risks written during 1890, 

Total 

Risks terminated during 1S90, 

In force ;it end 01 year, 

Losses incurred during the year. 



Amount. 

$41,113 00 
4,212 00 

045,325 00 
5,577 00 



$39,748 



Deposit Notes. 

$1,334 63 
438 39 

$1,473 02 
179 36 

$1,293 66 
$22 50 



ATTLEBOROUGH jiUTUAL FIRE [NSURANCE COMPANY, 

' ATTLEBOROUGH. 

[Incorporated Feb. 'J4, 1844. Commenced business July 1, 184.").] 

Joseph W. Capron, President. Elijah R. Head, Secretary. 
Amount of permanent fund, . $16,550 59 

Summary of Assets, Dec. 31, 1890. 
Loans on mortgage of real estate (first liens), $10,090 00 

Attleborough lire district notes. 
Cash in the office of the company, . 
Cash deposited in hank, ..... 
Premiums in course of collection (gross), 

Interest due and accrued, 

Gross assets, 

Liabilities. 
Due for borrowed money, .... 

Unearned premiums on outstanding risks, 

Incidental expenses, 

Gross liabilities, 



Net cash assets, 



Income. 
Cash premiums received during the year. 
Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, 

for interest from all other sources, . 

from policy fees, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, . - 

Gross cash expenditures, 



13,000 


00 




112 


00 




2,346 


34 




177 


96 




638 76 








$26,365 06 






$600 00 




5,219 


56 




101 


54 


5,921 10 








$20,443 96 






$2,018 97 


• 


• 


53 16 


■ 


- . 


$1,965 81 


. 


. 


462 82 


. 


. 


701 25 


• 


• 


226 00 


• 


$3,355 88 


• 


• 


$1,017 20 

338 00 

50 00 


• 


• 


18 61 



11,423 81 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Risks outstanding Dec. 31, 1889, 
Bisks written during 1890, 



Miscellaneous. 

Amount/ 

1,732,944 00 
376,047 00 



Total 

Risks terminal ed during 1890, 

In force at end of year, 

Losses incurred during the year, 



$2,109,591 00 
293,910 00 



Cash I'rem's. Contin'gt l'rem'8. 

$ 12,025 25 $24,050 50 



2,018 52 

$14,043 77 
3,604 64 



$1,815,681 00 $10,439 13 



1,037 04 

$28,087 54 
7,209 28 

$20,878 26 

$1,019 00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTH PORT. 

[Incorporated March, 1833. Commenced business Aug. 1, 1833] 

Joseph R. Hall, President. Frank Thacher, Secretary. 
Amount of permanent fund, $57,364 80 



Detailed Statement of Stocks, 



20 " State National Bank, Boston, . 

25 " Tremont National Bank, Boston, 

10 " Massachusetts Nat'l Bank, Boston, 

8 " Shawmut National Bank, Boston, 

5 " Nat'l Bank of the Republic, Boston, 

15 " Nat'l Bank of Redemption, Boston, 

28 " First National Bank, Yarmouth, 

10 " Falmouth National Bank, . 

15 " Suffolk Trust Company, . 

50 " Massachusetts Real Estate Co., 

30 " Boston Investment Co., 

63 " Old Colony Railroad, 

50 " Union Pacific Railroad, 

10 " Central Pacific Railroad, . 

60 " Atchison, Topeka & Santa Fe R.R., 

20 " National Tube Works Co, 

25 " Monongahela Furnace Co., 

Fall River city bonds, .... 

Union Pacific Railroad bonds, . 

Old ( Jolony Railroad bonds, 

Iowa Falls & Sioux City Railroad bonds, 

Chicago & E Illinois Railroad bonds, 

Oregon Short Line stock and bonds, 

Illinois Steel ( 'oiupany bonds, . 

Western farm mortgage bonds, 



Bonds, etc. 

Par Value. 

$1,300 00 

2,000 00 

2,500 00 

1,000 00 

800 00 

500 00 

1,500 00 

2,800 00 

1,000 00 

1,500 00 

5,000 00 

3,000 00 

0,300 00 

5,000 00 

1,000 00 

6,000 00 

2,000 00 

2,500 00 

1,000 00 

10,000 00 

5,000 00 

2,000 00 

2,500 00 

2,000 00 

1,000 <><) 

18,850 00 



Market Value. 

$1,485 25 
2,520 00 
2,856 25 
1,092 50 
1,042 00 
805 00 
2,066 25 
3,864 00 
1,000 00 
1,500 00 
5,350 00 
3,300 00 

10,458 00 
2,162 50 
290 00 
1,725 00 
3,600 00 
2,500 00 
1,190 00 

11,140 00 
5,650 00 
2,520 00 
2,800 00 
1,905 00 
970 00 

13,850 00 



$83,050 00 $87,641 75 



1890.] 



INSURANCE COMPANIES. 



Summary of Assets, Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, 
Loans on personal security, 
Cash in the office of the company, 
( lash deposited in hank, . 

Interest »lne and accrued, . 

Gross assets, 



$3,000 00 

87,641 75 

3,183 20 

1,125 80 

11.:;:.:; si 

1,622 21 



- $107,920 77 



Liabilities. 
Unearned premiums on outstanding risks, 

Taxes, 

Gross liabilities, 



|54,252 93 

55 08 



|54,308 01 



Net cash assets, $53,618 76 



Income. 

( lash premiums received during- the year, 
Received for interest from all sources, . 

Gross cash income, .... 



$35,503 13 
4,f>04 27 

140,167 40 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$4,123 50 

5,616 75 

342 46 

25,484 15 

1,458 63 

$37,025 49 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstandiug Dec. 31, 1889, $6,351,964 00 $105,301 03 $315,903 09 

Risks written during 1890, . 2,090,550 00 35,060 02 105,180 06 



Total, . 



5,442,514 00 $140,361 05 $421,083 15 



Risks terminated during 1890, . 1,911,256 00 31,855 20 95,565 60 



In force at end of year, . . $6,531,258 00 $108,505 85 $325,517 55 

Losses incurred during the year, $4,123 50 

Percentage of profits or surplus returned during 1890, 80 per cent. 
Average rate to date, 80 per cent. 



10 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1335. Commenced business August, 1835.] 

Jabez L. Peck, President. Jonx M. Stevenson, Secretary. 

Amount of permanent fund, .... . . $57,271 91 



Detailed Statement of Stocks, 



Western Union Telegraph Co. bonds, 
Chicago & Western Indiana Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
St. Paul & Sioux City Railroad bonds, 
75 shares Boston & Albany Railroad, 
Boston & Albany Railroad rights, . 
50 shares Chicago, Burlington & Quincy R.R. 
140 ' 

to 

100 ' 

87 ' 

10 ' 

12 ' 

15 ' 

16 ' 
10 ' 



N. Y. Cent & Hudson River R.R., 
New Hampshire Trust Co., 
Adams Express Co., 
Pittsfield National Bank, Pittsfield, 
Agricultural Nat'l Bank, Pittsfield, 
Third National Bank, Pittsfield, 
First National Bank, Adams, . 
Adams Nat'l Bank, North Adams, . 
Lenox National Bank, Lenox, 



Bonds, etc. 

Tar Value. 

$5,000 00 
5,000 00 
2,000 00 
500 00 
1,000 00 
7,500 00 
1,600 00 
5,000 00 

14,000 00 
1,500 00 

10,000 00 
8,700 00 
1,000 00 
1,200 00 
1,500 00 
1,600 00 
1,000 00 



Market Value. 

$5,640 00 

5,950 00 

2,160 00 

500 00 

1,210 00 

14,625 00 
1,600 00 
4,550 00 

14,280 00 
1,950 00 

14,500 00 

13,920 00 
2,500 00 
2,100 00 
2,250 00 
2,320 00 
1,080 00 



$68,100 00 $91,135 00 



Summary of Assets, Dec. 31, 1890. 

Cash value of unencumbered real estate, . $8,000 00 

Stocks, bonds, etc., as per schedule, . . 91,135 00 

Cm -ih in the office of the company, . . . 404 13 

Cash deposited in bank, 466 99 

Premiums in course of collection (gross), . 1,499 95 

Interest accrued, 153 36 

Rents due, 35 00 

Gross assets, $101,694 43 

Liabilities. 

Due for borrowed money, .... $2,505 28 

Unearned premiums on outstanding risks . 45,628 98 

Surplus due on terminated policies, . . 150 00 

Commissions and brokerage 916 09 

Incidental expenses, 273 27 

Gross liabilities, . . ... 49,47357 

Nel cash assets, $52,220 86 



10.] 



IXSl'KAXCE COMPANIES. 



11 



Income. 

Cash premiums received during the year, 
Deduct return premiums, , 

Net cash premiums received, . 

Received for interest from all sources, 
Received for rents 

Gross cash income, 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State ami local las .... 

for ren ' 

for profits or surplus on terminated policl 
for incidental expenses, 



Gross cash expenditures, .... 

Miscellanea 

Amount. 

Risks outstanding Dec 31,1889, $6,227,100 00 
Risks written during 18 . 1,780,808 00 



Cash Prem's. 

,154 71 
24,391 



Total, ... 7,408 00 $110,546 29 

Risks terminated during 1890, . 1,429,872 00 19,287 87 



]n force at end of year. 



$6,577,536 00 $91,258 42 



incurred during the year, 

Percentage of profits or surplus returned during 1890, 40, 50, 
Average rate to date, bo per cent. 



$24,050 08 
606 45 

$24,048 63 

4,197 98 
456 87 

|28,697 98 



$10,720 76 

2,626 05 

2,597 02 

282 15 

300 00 

11,990 62 

682 46 

$29,199 06 



Contlng't Prem's. 

1,154 71 
24,391 58 

$110,546 29 

19,287 87 

$91,258 42 

$10,720 76 
70 per cent. 



BOSTON MANUFACTURERS 1 MUTUAL FIRE INSURANCE 
COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 14, 1850.] 

Edward Atkinson, President. William B. Whiting, Secretary. 

Office, 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Phila , Wil. & Baltimore Railroad bonds, . $40,000 00 $43,600 00 

Chicago, Burl. & Quincy Railroad bonds, . 100,000 00 93,500 00 

New York Central Railroad bonds, . . 50,000 00 50,000 00 

Burl. & Mo. RR. in Nebraska bonds, . . 30,000 00 34,500 00 



12 



MASSACHUSETTS MUTUAL FIRE [Dec 31, 



Michigan Central Railroad bonds, 

Old Colony Railroad bonds, 

Pennsylvania Company bonds, 

Boston & Lowell Railroad bonds, 

West Shore Railroad bonds, 

Eastern Railroad bonds, . 

Brookline town bonds, 

New Jersey Central Railroad bonds, 

Ateh., Topeka «fc Santa Fe Railroad bonds, 



Par Value. 

8:;o,000 00 
70,000 00 
30,000 00 
50,000 00 
50,000 00 
25,000 00 

130,000 00 
50,000 00 
20,000 00 



Market Value. 

$31,500 00 

72,100 00 
31,200 00 
50,000 00 
50,000 00 
30,750 00 
130,000 00 
53,250 00 
15,500 00 



$675,000 00 $685,900 00 



Summary of Assets, Dec. 31, 1890. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Gross assets, 



$685,900 00 

3,596 86 

34,668 00 

11,725 00 



$735,889 86 



Liabilities. 

Losses claimed and reported, .... $500 00 

Unearned premiums on outstanding risks, . 382,682 24 

Taxes, 1,393 61 

Gross liabilities, 



384,575 85 



Net cash assets, $351,314 01 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, . 



$794,146 62 
31,417 66 

$762,728 96 
29,544 13 

$792,273 09 



Expenditures. 

Raid i'or losses during the year, . 

for salaries and fees of officers and employees, 
lor inspections, 

for Slate and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 



$89,474 10 
28,523 58 

13,938 33 

7,554 72 

1,621 56 

570,013 35 

6,899 40 



Gross cash expenditures, . 



$718,028 04 



L890.] 



INSURANCE COMPANIES. 



13 



MISCELLANEOUS. 

Amount. Cash l'rera'8. Conting't Prem's. 

Risks outstanding Dec. 31, 1889, $88,971,638 00 $753,062 02 $3,765,310 10 

Risks written during 1890, . 95,1)40,488 00 794,146 62 3,970,733 10 



Total |184,912,126 00 $1,547,208 64 $7,736,043 20 

Risks terminated during 1890, 92,888,690 00 781,844 16 3,909,220 80 



In force at end of year, 



$92,023,436 00 $765,364 48 $3,826,822 40 



Losses incurred during the year, ...... $89,974 10 

Percentage of profits or surplus returned during 1890,75^ per cent. 
Average rate to date. 70^ per cent. 



5 00 

900 00 

4 40 



$533 65 



BRISTOL COUNTY MUTUAL FIRE [NSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 29, 1S29. Commenced business July 4, 1829.] 

James Taylor, President. George X. Alden, Secretary. 

[Note. — Policies are all issued for five years, ten per cent, of the premium note being re- 
eelved in cash it the time of issuing the policy. The notes are assessed as necessity requires. 
-li funds are accumulated.] 

Summary of Assets, Dec. 31, 1890. 
( 'ash in the office of the company, . . . 841 90 

Cash deposited in bank, 215 49 

Premiums in course of collection (gross), . 276 26 

Gross assets, ...... 

Liabilities. 

Losses adjusted, unpaid, 

Due for borrowed money, .... 

Taxes, » . 

Gross liabilities, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, .... 
Received from assessments on deposit notes, . 

Gross cash income, 

Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and. employees, 

for interest on borrowed money, 

for State and local taxes, . 

for incidental expenses, . ■ . 



,159 40 



$3,025 17 

79 67 

f2,945 50 

831 31 



1,776 81 



Gross cash expenditures, 



$3,655 


92 


156 


14 


1,625 


00 


bb 


41 


111 


34 


205 


66 



$5,809 47 



14 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Amount. Deposit Notes. 

Risks outstanding Dec. 31, 1889, . . . $ 8,674,5 16 00 |468,880 00 

Risks written during 1890, .... 388,130 00 29,0U 00 



Total 

Risks terminated during 1890, . 

In force at end of year, 

Losses incurred during the year, 



. £4,062,646 00 §497,894 00 
498,300 00 64,667 00 



. $3,564,346 00 $133,227 00 
$3,601 57 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1834.] 

Josiah W. Cook, President. Alfred L. Barbour, Secretary. 



Amount of permanent fund, 



Detailed Statement of Stocks, 



1 share Framingham National Bank, . . 
15 shares National City Bank, Cambridge, 
30 shares West End Street Railway, 
Eastern Railroad bonds, . 
Highland Street Railway bonds, 
Cambridge city bonds, 
Portland city bonds, . 
Belfast city bonds, 
Chicago city bonds, . 



Bonds, etc. 

Par Value. 

$100 00 
1,500 00 
1,500 00 
1,500 00 
• 4,000 00 
2,000 00 
10,000 00 
2,000 00 
2,000 00 



Summary of Assets, Dec. 31, 1890. 

Cash value of unencumbered real estate,. . $59,750 78 

Loans on mortgage of real estate (first liens), 110,883 00 

Stocks, bonds, etc., as per schedule, . . . 30,250 00 

Loans on personal security, .... .">(>() 00 

Cash in the office of the company, . . . 822 76 

Cash deposited in bank, 1,009 71 

Premiums in course of collection (gross), . 5,938 17 

Interest due and accrued, 2,521 95 

Rents accrued, ....... 266 OH 

Office furniture, etc , . . . . $2,500 

Gross assets, 



$135,469 78 



Market Value. 

$150 00 

2,250 00 

2,550 00 

1,800 00 

4,400 00 

2.400 00 

12,200 00 

2,100 00 

2,400 00 



$24,600 00 $30,250 00 



$211,738 35 



1890.] 



INSURANCE COMPANIES. 



15 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Salaries 

Cross liabilities 

Net rash assets, 



$180 00 

540 00 

82,048 70 

2,408 13 
811 04 

1,000 00 



$87,0-47 87 



$124,090 48 



Income. 

Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 

Gross cash income, .... 



f51,186 16 

1,709 87 

$49,416 29 
3,825 66 
2,020 52 
5,274 63 

$60,537 10 



Expenditures. 

Paid for losses during the year 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed rnone}', 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for expenses on real estate, .... 
for incidental expenses, 

Gross cash expenditures, 



$22,494 96 

6,433 87 

5,209 00 

150 56 

1,725 59 

1,000 00 

21,213 61 

912 45 

2,337 17 

$61,477 21 



Miscellaneous, i 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1889, $9,883,935 00 $151,716 86 $151,716 86 

Risks written during 1890, . 3,420,221 00 50,581 88 50,581 88 



Total, $13,304,156 00 $202,298 74 $202,298 74 

Risks terminated during 1890, . 2,566,178 00 38,201 34 38,201 34 



In force at end of year, . . $10,737,978 00 $164,097 40 $164,097 40 



Losses incurred during the year, - $23,214 96 

Percentage of profits or surplus returned during 1890, 40,50,70 per cent. 



10 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



CITIZENS 1 MTTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April, 1846. Commenced business October, 1846.] 

IIknkv C. Bigelow, President. T. Wallace Travis, Secretary. 

Office, No. 8 Exchange Place. 



Amount of permanent fund, 



$167,862 16 



Detailed Statement of Stocks, Bonds, etc. 



30 shares Hide and Leather Nat 1 l Bank, Boston 
15 " Natick National Bank, Natiek, . 
10 " Farmington National Bank, N. H., 
Butchers 1 S. and M. Association bonds, . 
Denver Land and Security Co bonds, 



Securities held as collateral for cash loans : — 

Mortgage notes, 

10 shares Winnisimmet Nat'l Bank, Chelsea, 

100 « 

50 ■ 

25 « 

50 - 

50 ' 

100 ' 



Sugar Refineries Co., 

Columbus and Hocking Coal and 

Iron Co., . 
Thomson & Houston Electric Co., . 
Kearsarge Mining Co., . 
Cleveland and Canton Railroad, 
Boston Water Power Co., 



Corporation notes, 



Tar Value. 

$3,000 00 
1,500 00 
1,000 00 
4,000 00 
1,800 00 



Market Value. 

$3,900 00 
2,100 00 
1,000 00 
4,000 00 
1,800 00 



$11,300 00 $12,800 00 



Market Value. Loaned Thereon. 



>8,300 00 
1,050 00 
5,800 001 



900 00 
1,100 00 \ 
600 00 
900 00 
300 00 J 
8,400 00 



$5,600 00 
1,000 00 



8,000 00 



8,400 00 



$27,350 00 $23,000 00 



Summary of Assets, Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc , as per schedule, . 
I, nans on collateral security, as per schedule, . 
Loans on personal security, .... 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

[nteresl accrued 

Gross assets 



31, 1890. 

883,575 00 

229,185 00 

12,800 00 

23,000.00 

5,557 12 

295 83 

20,785 51 

8,202 5o 

3,016 12 



$331,397 08 



1890.] 



INSURANCE COMPANIES. 



17 



Liabilities. 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liability .... 

Net cash assets, . 



§161,140 64 

1,632 34 

453 06 



$163,226 04 



. $168,171 04 



Income. 

Cash premium received during the year, 
Deduct return premium- 

Net casta premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents 



Gross cash income, 



,936 15 

2,856 47 



$64,079 68 

12,545 82 

2,453 91 

359 00 

$79,438 41 



Expenditures. 



Paid for los-e> during the year, 

for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, 

for rent- 

for profits or surplus on terminated 
for incidental expenses, . 

Gross cash expenditures, . 



employees, 



policies, . 



$20,914 00 

9,621 96 

7,307 67 

1,109 74 

900 00 

33,988 52 

3,350 90 



$77,192 79 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prems. 

Risks outstanding Dec 31,1889, $23,410,976 00 $318,118 44 $318,478 26 

Risks written during 1890, . 4,979,863 00 65,944 91 65,944 91 



Total, .... 828,390,839 00 $384,063 35 $384,423 17 

Risks terminated during 1890, 4,717,720 00 62,501 70 62,501 70 



In force at end of year, 



$23,673,119 00 $321,561 65 $321,921 47 



Losses incurred during the year, ...... $20,914 

Percentage of profits or surplus returned during 1890, 50 and 60 per cent. 



18 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



COHASSET MUTUAL FIRE INSURANCE COMPANY, 

COIIASSET. 

[Incorporated March, 1845. Commenced business March, 1846.] 

Louis N. Lincoln, President. J. Q. A. Lothrop, Secretary, 

Detailed Statement of Stocks, Bonds, etc. 



9 shares City National Bank, Boston, 

3 shares Merchants 1 Nat'l Bank, Boston, . 



Tar Value. Market Value. 

$900 00 $945 00 
300 00 453 00 



,200 00 $1,398 00 



Summary of Assets Dec. 31, 1890. 

Stocks, as per schedule, $1,398 00 

Cash in the office of the company, ... 71 

Cash deposited in bank, 911 43 

Interest due and accrued, 31 72 

Office furniture and safes, . . $100 00 

Gross assets, . . . . . . $2,341 86 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross liabilities, 

Balance against the company, . 

Income. 

Cash premiums received during the year, 
Received for interest from all sources, . 
Received from policy fees, 



!,615 47 



2,615 47 



$273 61 



$939 95 


83 


11 


31 


40 



Gross cash income, 



,054 46 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and tees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expeUBCS, 

Grose cash expenditures, 



$4 84 

93 55 

326 50 

9 90 

60 00 
418 10 

13 06 

$925 95 



»0.] 



INSURANCE COMPANIES. 



19 



Miscellaneous. 

Amount. 

Risks outstanding Dee. SI, 1889, |358,761 00 
Risks written during 18 . 59,775 00 

Total 

Risks terminated daring 1890, . 

In force at end of year, . 
Losses incurred during the year, 



i 00 
3,105 00 



Cash Prem's. Conting"t Prem's. 

,222 97 $15,668 91 



921 68 

86,144 65 
913 71 



■> 04 

f 18,433 95 

2,741 13 



,431 00 230 94 f! 
$4 84 



Percentage of profits or surplus returned during 1890, 15, 30, 50 per cent. 
Average rate to date, 60 per cent. 



COTTON AND WOOLEN MANUFACTURERS 1 MUTUAL 
INSURANCE COMPANY, BOSTON. 

[Incorporated Oct. IS, 1875. Commenced business Oct. 20, 1S75.] 

Chables A. Stevens. Pr B. F. Taft, Secretary. 

Office, Xo 31 Milk Street. 



Detailed Statement of Stocks, 



Fitehburg Railroad bonds, 
Chicago, Burl, and Quiney Railroad bonds, 
Boston and Lowell Railroad bonds, . 
Burlington and Missouri Railroad bonds, 

Boston city bonds, 

Metropolitan Railroad bonds, . 
Maine Central Railroad bonds, 

Cheshire Railroad bonds 

Portland and Ogdensburg Railroad bonds, 
New York and New England Railroad bonds, 
Lynn and Boston Railroad bonds, 
Middlesex Railroad bonds, 
Highland Street Railway bonds, 
South Boston Railroad bonds, . 



Summary of Assets Dec 

Bonds, as per schedule, .... 
Cash in the office of the company, . 
Cash deposited in bank, . . , . 
Premiums in course of collection (gross), 
Gross assets, 



Bonds, etc. 

Par Value. 

§16,000 00 

10,000 00 

10,000 00 

2,000 00 

2,000 00 

15,000 00 

21,000 00 

27,000 00 

10,000 00 

17,000 00 

2,000 00 

1,000 00 

1,000 00 

5,000 00 



Market Value. 

|16,815 00 

10,008 34 

10,283 33 

2,115 00 

2,080 00 

16,108 33 

21,989 17 

29,940 00 

10,483 34 

21,207 50 

2,038 33 

1,130 00 

1,048 33 

5,345 84 



8139,000 00 §150,592 51 



31, 1890. 

$150,592 51 

1,206 83 

15,922 66 

5,684 02 



$173,406 02 






MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

LlAIilLITIES. 



Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes 

Gross Liabilities, 



Net cash assets, 



$445 00 
106,841 00 

I to 86 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest from all sources, . 

Gross cash income, 

Expenditures 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for inspections and incidental expenses, . 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31,1889, $17,543,033 00 
Risks written during 1890, . 22,418,029 00 



$107,731 86 
$65,674 16 



$215,922 75 
9,460 04 

|206,462 71 

6,105 97 

$212,568 68 



$32,640 90 

8,635 17 

1,971 00 

536 76 

126,581 21 
8,969 63 

$179,334 67 



Cash Prem's. Conting't Prem's. 

$178,738 70 $893,693 50 
223 223 32 1,116,116 60 



Total, . $39,961,062 00 $401,962 02 $2,009,810 10 

Kisks terminated during 1890, . 18,888,584 00 188,280 03 941,400 15 



In force at end of year, 



.$21,072,478 00 $213,681 99 $1,068 409 95 



Losses incurred during the year, $33,085 90 

Percentage of profits or surplus returned during 1890, 71 per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 22, 1837. Commenced business .Tuly 1, 1S37.] 

George B. Faunce, President. Elijah Howe, Jr., Secretary. 

Amount of permanent fund, $89,765 77 

Detailed Statement <>f Stocks, Bonds, etc. 

Par Value. Market Value. 

Marquette and Ontonagon Railroad bonds, . $8,000 00 $8,000 00 

Philadelphia and Reading Railroad bonds, . 5,000 00 5,250 00 

Cincinnati city bond 6,000 00 7,8 20 00 

Old Colony Railroad bonds 2,000 00 2,200 00 



1890.] 



INSURANCE COMPANIES. 



21 



Union Pacific Railroad bonds, .... 
Kansas City and Council Bluffs Railroad bonds, 
Lombard Investment Company bonds, 
Western Security Company bonds, . 
New Hampshire Trust Company bonds, . 
New England Mortgage Security Co. bonds, 
Atchison, Topeka and Santa Fe R.R. bonds, 
Washington Comity (111.) bonds, 
Salem city bonds 

12 shares Dedham National Bank, . 
20 " Dedham Water Co., . 

50 " Atch., Topeka and Santa Fe 11. R , 



Tar Value. 

$16,000 00 
2,000 00 
5,000 00 
6,000 00 
5,000 00 
8,000 00 
17,500 00 
5,000 00 
3,000 00 
1,200 00 
2,000 00 
5,000 00 



MarkefValue. 

$16,120 00 

2,300 00 

4,750 00 

5,700 00 

4,750 00 

7,600 00 

11,765 00 

5,000 00 

3,242 10 

1,320 00 

2,000 00 

1,450 00 



$96,700 00 $88,767 10 



Summary of Assets Dec. 31, 1890. 
Loans on mortgage of real estate (first liens), $20,500 00 
stocks, bonds, etc , as per schedule, . 
( lash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding- risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies,. 
Commissions and brokerage, . 

Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Xet cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and empl 

for State and local taxes, . 

for rents, 

for profits or surplus on terminated poli 
for incidental expenses, . 

Gross cash expenditures, . 



88,767 10 




3,561 45 




1,338 62 




2,224 48 







$116,391 65 


f24,687 26 




49 48 




1,305 88 




200 79 






26,243 41 




. 


$90,148 24 




$16,781 40 




454 29 




$16,327 11 




923 00 




5,408 95 




$22,659 06 




$5,510 84 


. . 


2,454 94 


loyees, 


3,240 02 


.... 


195 84 


. . . 


110 00 


cies, . 


5,878 49 


. 


546 52 


.... 


$17,936 65 



■)•) 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $2,872,902 00 
Risks written during 1890, . 1,102,340 00 



Total, $3,975,242 00 

Risks terminated during 1890, . 832,144 00 



Cash Prom's. Conting't Prem's. 

$45,392 29 §45,218 74 
16,557 68 16,851 25 



$61,949 97 
12,575 45 



In force at end of year, 



Losses incurred during the year, 



561,569 99 
12,359 10 



. $3,143,098 00 $49,374 52 $49,210 89 



$4,999 46 



Percentage of profits or surplus returned during 1890, 33£, 50, 70 per cent. 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1855. Commenced business July 2, 1S55.] 

Thos. F. Temple, President. W. D. C. Curtis, Secretary. 

Office, Neponset. 
Amount of permanent fund, $177,644 45 



Detailed Statement of Stocks, 



Fitchburg Railroad bonds, 
Boston & Lowell Railroad bonds, 
Old Colony Railroad Bonds, 
Chicago, Burlington & Quincy R. R. bonds, 
Detroit, Lansing & Northern R.R bonds, 
South Boston Horse Railroad bonds, 
Metropolitan Horse Railroad bonds, 
Cambridge Horse Railroad bonds, . 
243 shares Boston & Albany Railroad, 
273 ' 

56 ' 

57 ' 
100 ' 

20 ' 
50 ' 
56 ' 
20 

20 ' 
12 ' 
10 ' 
30 ' 
33 ' 
5 ' 
10 ' 
10 ' 



Old Colony Railroad, 
Boston & Lowell Railroad, 
Boston & Maine Railroad, 
Boston Lead Mfg. Company, . 
International Trust Company, 
Boston National Bank, 
Blue Hill National Bank, 
Howard National Bank, . 
Continental National Bank, 
Hide and Leather National Bank, 
New England National Bank, 
( lolumbian National Bank, 
State National Bank, 
Granite National Bank, •. 
Mt. Wollaston National Bank, 
Weymouth National Bank, 



Bonds, etc. 

Par Value. 

$32,000 00 
5,000 00 
6,000 00 

10,000 00 
7,000 00 
5,000 00 
5,000 00 
6,000 00 

24,300 00 

27,300 00 
5,600 00 
5,700 00 

10,000 00 
2,000 00 
5,000 00 
5,600 00 
2,000 00 
2,000 00 
1,200 00 
1,000 00 
3,000 00 
3,300 00 
500 00 
1,000 00 
1,000 00 



Market Value. 

$34,180 00 

5,525 00 

6,720 00 

9,000 00 

7,210 00 

5,325 00 

5,450 00 

6,360 00 

47,385 00 

45,318 00 

9,912 00 

11,571 00 

15,000 00 

3,600 00 

6,000 00 

5,768 00 

2,200 00 

2,5 10 00 

1,560 00 

1,700 00 

3,360 00 

4,158 00 

650 0q 

1,400 00 

1,200 00 



$176,500 00 $243,092 00 



1890.] 



INSURANCE COMPANIES. 



23 



Summary of Assets, Dec. 31, 1890. 

('ash value of unencumbered real estate, . . $22,000 00 

Loans on mortgage of real estate (first liens), 28,088 13 

Stocks, bonds, etc . as per schedule, . . . 24.1,092 00 

Cash deposited in hank, 11,08.5 35 

Premiums in course of collection (gross), . 9,922 7L 

Interest due and accrued, 3,974 50 

Gr tS 



Liabilities. 

-is adjusted, unpaid $950 00 

Unearned premiums on outstanding risks, . 164,827 24: 

Gioss Liabilities 

Net cash assel - 



$318,702 09 



165,777 24 

$152,985 45 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 
for rents, 

Gross cash income, .... 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



$ 106,870 15 
3,127 35 

§ 103,742 80 

1,450 00 

12,837 38 

992 00 

$119,022 18 



,122 81 

17,040 40 

6,178 33 

1,888 74 

300 00 

37,823 65 

3,003 80 

$120,423 85 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $18,009,493 00 
Risks written during 1890, . 7,420,703 00 



Total, $20,030,250 00 

Risks terminated during 1890, . 5,449,281 00 



Cash Prem's. 

$304,735 89 
107,228 77 

$411,904 00 
82,310 19' 



In force at end of year, 



,580,975 00 $329,054 47 



Conting't Prem's. 

|304,735 89 
.107,228 77 



$411,904 00 
82,310 19 

$329,054 47 
$55,072 81 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1890, 25, 50, 75 per cent. 
Average rate to date, 50 per cent. 



24 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ELECTRIC MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated May 7, 1890. Commenced business May 15, 1S90.] 

Stephen E. Barton, President. Charles F. Pollard, Secretary. 

Office, No. 85 Water Street. 

Summary of Assets Dec. 31, 1890. 
Cash in the office of the company, . . . $1,136 43 

Cash deposited in bank, 14,272 61 

Premiums in course of collection (gross), . 3,498 00 

Office furniture, .... $600 00 

Gross assets, 

♦ 

Liabilities. 

Unearned premiums on outstanding risks, . £15,160 36 

Taxes, 83 76 

Gross liabilities, 



Net cash assets, 



Income. 
Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, 
Received for interest, 
Received for inspections, . 

Gross cash income, 

Expenditures. 
Paid for losses during the year, . . . • . 
for salaries and fees of officers and employees, 

for State taxes, 

for rents, 

for protective department, 

for inspections and incidental expenses, . 

Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks written during 1890, . $2,964,087 00 
Risks terminated during 1890, . 66,600 00 



f 18,907 04 



15,244 12 
£3,662 92 



$27,661 36 
765 97 



$26,895 39 


124 


68 


689 


42 


$27,709 


49 


$137 38 


7,520 


98 


220 


18 


344 


97 


12 


58 


4,064 


36 



$ 12,300 45 



Cash Prem'a. Conting't Prem's. 

131,159 36 $155,796 80 

838 65 4,193 25 



In force at end of year, . . $2,897,587 00 
Losses Incurred during the year, 



|30,320 71 £151,603 55 
$137 38 



181)0.] 



INSURANCE COMPANIES. 



25 



I MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1^29. Commenced trash 

David Moore, P> Chakles S Nichols, Secretary, 



Amount of permanent fund, 



vii.r.D Statement of St<>< ks, 



20 shares Salem Gas Light Co , 

16 " Lynn Gas Co , . 

14 " Salem National Bank, 

11 " Asiatic National Bank, Salem, 

Chicago «. • i t \- bonds, . 

Cleveland city bonds, 

Cincinnati city bonds, 

Springfield city bonds, 

Brooklyn city bonds, 

Concord city bonds, . 

St. Lonia city bonds. . 

Hyde Park town bonds, 

St. Louis County bond-. 

Eastern Railroad bonds. 

Old Colony Railn ad bond 

Chicago, Burlington and Q 

Boston and Albany Railro 

Northern Pacific Railroad bonds, 

American Investment Company bonds, 



uincy R R. bonds, 

d bonds, . 



Bonds, etc. 

Pbt Value. 

>,000 00 
1,600 00 
1,400 00 
I 00 
1,000 00 
2,000 00 

1,000 00 

00 

1,000 00 

00 

00 

1,000 00 

_ 00 

2,000 00 

1, 

1,000 00 
1,500 00 



Summary of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Interest due and accrued, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, 
Salaries and incidental expenses, 
Gross liabilities, . . . 

Xet cash assets, .... 



$29,825 00 

- 00 

97 05 

2,006 50 

264 00 

1,330 18 



650 00 

J,057 65 

439 60 

15 75 

251 86 



$51,152 23 



Market Value. 

$2,360 00 

2,480 00 

1.-20 00 

418 00 

1,030 00 

2,100 00 

1.260 00 

1,300 00 

1,260 00 

1,060 00 

1,100 00 

1,070 00 

1,070 00 

2,460 00 

2,170 00 

2,200 00 

1,070 00 

1,140 00 

1,500 00 



_ ,830 00 |28,868 00 



802,390 73 



8,814 86 
§53,575 87 



26 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, . 
Received for interest from all other sources, . 



Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental exjjenses, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $783,700 00 
Risks written during 1890, . 135,975 00 



$2,590 82 
93 99 



$2,496 


83 


1,136 


95 


1,596 


08 


£5,230 


46 


8152 48 


852 


25 


28 


85 


150 


00 


1,692 


82 


36 


84 



?2,913 24 



Cash Prem's. Conting't Trem's. 

§15,970 34 £15,970 34 



Total 

Risks terminated during 1890, . 

In force at end of year, 



>9 19,675 00 
115,650 00 



2,552 25 

£18,522 59 
2,407 30 



2,552 25 

$18,522 59 
2,407 30 



$804,025 00 $16,115 29 



Losses incurred during the year, 

Percentage of profits or surplus returned .during 1890, 70 per cent. 
Average rate to date, 60 per cent. 



£16,115 29 
$196 23 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 17, 1870. Commenced busiuese May 1, 1S70] 

Thomas J. Borden, President. Charles S. Waring, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Old Colony Railroad bonds, 

Fitchburg Railroad bonds, 

Chicago, Burlington and Quiiicy R.R. bonds, 

Boston and Albany Railroad bonds, 

Boston and Lowell Railroad bonds, 

Atchison, Topeka and Santa Fe MM. bonds, 

Fall Riyer City bonds, 

Worcester city bond-. 
Lawrence city bonds, 



Par Value. 

10,000 00 

i;>,ooo oo 

8,000 00 
20,000 00 
11,000 00 
6,000 00 
1,000 00 
6,000 00 



.Market Value. 

$10,750 00 
9,600 00 

12,900 00 
8,160 00 

20,200 00 
6,930 00 
7,490 00 
1,015 00 
5,32."> 00 



1890.] 



INSURANCE COMPAXIKS. 



27 



Boston city bonds, 
Taunton city bonds, . 
Corporation notes 



Par Value. 

$5,000 00 

10.1)00 00 
112,0oo on 



Market Value. 

|f 5,325 00 

10,450 00 

112,000 00 



$213,000 00 $210,145 00 

31, 1890. 

$210,1 1:> 00 

955 16 

47,670 19 

1,033 7 1 

2,318 81 



Summary of Assets Dec 

Stocks, bonds, etc . as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, ..... 

Liabilities. 

Losses claimed and reported, .... $7,352 03 

Unearned premiums on outstanding risks, . 126, 1G1 91 

Tax 457 26 

Gross liabilities, 

Gross cash asset- 



Income. 

Cash premiums received during the year, 

Deduct return premiums, 

Net cash premiums received, ..... 
Received for interest from all sources, . 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for inspections, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



- $202,152 90 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889* f 25,040,570 00 
Risks written during 1890, . 27,860,005 00 



Cash Prem's 



183,971 20 

§128,181 70 



$259,991 52 
8,230 48 

$251,761 04 

12,204 68 

$263,965 72 

§25,804 87 

8,055 52 

3,952 82 

2,483 39 

466 64 

194,295 80 
1,200 50 

$236,259 54 



Conting't Prem's. 

$240,515 46 $1,202,577 30 
260,652 80 1,303,264 00 



Total, .... $52,900,575 00 

Risks terminated during 1890, 25,874,986 00 



$501,168 26 $2,505,841 30 
248,844 45 1,244,222 25 



In force at end of year, 



527,025,589 00 



$252,323 81 $1,261,619 05 
$33,054 91 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1890, 80 t 7 2 q per cent. 
Average rate to date, 67- 1 9 8 q P er cent. 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCIIBURG. 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1S47.J 

AMASA NORCROSS, President. EDWARD P. Dowxe, Secretary. 



Amount of permanent fund, 



Detailed Statement of Stocks, 



Boston & Albany Railroad bonds, 

Old Colony Railroad bonds, 

Cheshire Railroad bonds, . 

Fitchburg Railroad bonds, 

Maine Central Railroad bonds, 

Kansas Investment Co bonds, . 

Minnesota Thresher Manufacturing Co. bonds 

C. N. Nelson Lumber Company bonds, . 

10 shares Fitchburg National Bank, 

20 " 

20 ' 

10 ' 

15 " 
100 " 
227 " 



Rollstone National Bank, 
Old Colony Railroad, 
Fitchburg Railroad, 
Springfield Safe Deposit Co., . 
Ashburnham National Bank, . 
Minnesota Thresher Manuf. Co., 



Securities held as collateral for cash loans : — 

80 shares Simonds Manufacturing: Co., 

New York & New England Railroad bonds, . 

3 shares New England Telephone Co., . 



Bonds, etc. 

Par Value. 

§4,000 00 

5,000 00 

9,000 00 

5,000 00 

5,000 00 

10,000 00 

24,000 00 

5,000 00 

1,000 00 

2,000 00 

2,000 00 

1,000 00 

1,500 00 

10,000 00 

11,350 00 



$106,226 56 



Market Value. 

$4,380 00 

5,000 00 

9,450 00 

5,000 00 

5,000 00 

10,000 00 

24,000 00 

5,000 00 

1,500 00 

3,000 00 

3,320 00 

840 00 

1,500 00 

10,200 00 

11,350 00 



§95,850 00 $99,540 00 



Market Value. Loaned Thereon- 



$8,000 00 

1,000 00 

150 00 



§6,200 00 

1,000 00 

150 00 



1,150 00 $7,350 00 



Summary of Assets Dec. 31, 1890. 



( ;i-h value of unencumbered real estate, . 

Loans on mortgage of real estate (first lien a), 

Stocks, bonds, etc , as per schedule, . 

Loans on collateral security, as per schedule, 

Loan-- on personal security, 

Cash in the office of the company, 

( lash deposited in bunk, .... 

Premiums in course of collection (gross), 

Interest due and accrued, .... 
Gross assets, 



$877 74 

100,228 00 

99,540 00 

7,:)50 00 

20,028 00 

1.953 68 

14,161 18 

12,562 01 

2,750 46 



$259,446 02 



1890.] 



INSFRAXCE COMPANIES. 



21) 



Liabilities. 

ses adjusted, unpaid, .... 
s claimed and reported, . 

jes disputed or resisted, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Rents and incidentals, .... 

I .n><- liabilities, ..... 

Net cash assets 



f 8,615 61 

500 00 

1,194 27 

158,459 C8 

2,789 00 

883 67 



$167,442 23 



|92,003 79 



Income. 

Casta premiums received during the year, 
Received for interest from all sources, 

Gross cash income, . 



. f 188,535 01 

12,995 2.} 



151,530 24 



Expenditures. 

Taid for lo<-<>> during the year 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, ..... 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



?r>7,676 36 

20,638 65 

5,800 00 

1,128 48 

700 00 

39,358 48 

6,957 32 

$142,259 29 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec .31, 1889, $ 18,181,461 00 £284,132 36 $284,132 36 

Risks written during 1890, . 9,155,958 00 137,249 59 137,249 59 



Total $27,337,419 00 $421,381 95 $421,381 95 

Risks terminated during 1890, 6,868,159 00 104,462 59 104,462 59 



In force at end of year, . . $20, 469,260 00 $316,919 36 $316,919 36 



Losses incurred during the year, $71,344 80 

Percentage of profits or surplus returned during 1890, 20, 40, 60 per cent. 



30 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 
GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 

Nel«on Burrows, President. John D. Bowker, Secretary. 



Amount of permanent fund, 



$4,524 52 



Detailed Statement op Stocks, Bonds, etc. 



Vermont and Massachusetts Railroad bonds, 
Greenfield Gas Light Company stock, 
Shelburne Falls National Bank stock, 
Franklin County National Bank stock, 



Par Value. 

$11,000 00 

2,500 00 

900 00 

600 00 



Market Value. 

§12,100 00 

2,250 00 

1,062 00 

624 00 



Summary of Assets Dec. 31, 

Loans on mortgages of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on personal security, .... 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Interest due and accrued, 

Office furniture and fixtures, . . $500 00 
Gross assets, 



Liabilities. 

Losses resisted, 

Due for borrowed money, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, 
Rents, salaries and incidental expenses, . 
Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net casb premiums received, . 
Received for interest on mortgages,. 
Received for interest from all other sources, 

Gross cash income, .... 



$15,000 00 


$16,036 00 


, 1890. 




$3,100 00 




16,036 00 




270 31 




298 54 




2,778 81 




3,078 89 




529 92 






$26,092 47 


$1,989 50 


3,675 00 




15,761 24 




156 28 




461 83 




505 18 






22,549 03 





1,543 44 



$12,562 83 
914 55 



f 11,648 


28 


2 


31 


661 


99 



$12,312 58 



1890.] 



INSURANCE COMPANIES. 
Expenditures. 



Paid for losses during the year, . 
for brokerage and commissions, 

for salaries and Eees of officers and employees, 

for interest on borrowed money, 

for rents 

for taxes, ........ 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



31 



§8,808 51 

1,883 43 

1,412 00 

46 11 

112 50 

112 07 

1,892 77 

289 23 

$14,556 62 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $2,532,463 00 

Risks written during 1890, . 977,187 00 



Total, 
Risks terminated during 1890, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 

Losses incurred during the year, 



$3,509,640 00 
857,850 00 

$2,651,790 00 
4,500 00 



Cash Prem's. Conting't Trem's. 

$29,572 24 $29,572 24 
12,562,83 12,562 83 



842,135 07 
10,569 87 

$31,565 20 
42 72 



§42,135 07 

10,569 87 

$31,565 20 

42 72 



§2,647,290 00 $31,522 48 $31,522 48 



5,469 36 



Percentage of profits or surplus returned during 1890, 20, 25 per cent. 



GROVELAXD MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated March 28, 1828. Commenced business March 28, 1828.] 

Moses Foster, President. Nathaniel H. Griffith, Secretary. 

[Xote. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1890. 
Cash in the office of the company, . . . §42 50 

Gross assets, $42 50 



Liabilities. 



Due for borrowed money, 
Gross liabilities, . 



§2,200 00 



$2,200 00 



32 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



[ncome. 

Received from assessments on deposit not' 
Received from policy . 

Gross cash income, 



|695 04 
163 50 

$859 4 4 



Expenditures. 
Taid for losses during the year, .... 
for salaries and fees of officers and emp^ees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 



Gross cash expenditures, . 



$788 48 

500 13 

110 00 

5 10 

25 00 

1,428 71 



Miscellaneous. 



Risks outstanding Dec. 31, 1889, 
Risks written during 1890, 

Total 

Risks terminated during 1890, . 

In force at end of year, 

Losses incurred during the year, 



Amount. Deposit Notes. 

.,619,808 00 SI 12.547 86 
423,860 00 29,783 59 



^2,043,668 00 $1 12,331 45 
400,853 00 26,397 08 



.C-12,815 00 $115,934 37 
|338 48 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 

NORTHAMPTON. 

[Incorporated March 6, 1830. Commenced business July 1, 1S32.] 

Charles N. Clark, President. Oliver Walker, Secretary. 
Amount of permanent fund, 827,523 G6 



Detailed Statement of Stocks, Bonds, etc. 

Tar Value. 

68 shares Connecticul River Railroad, 
20 " Northampton National Bank, . 
24 " Chicago, Burlington and Quincy R.R. 
Chicago, Burlington and Quincy R.R. bonds, . 
Kansas Pacific Railroad bonds, . 



Market Value. 

1,300 00 $13,860 00 



2,000 00 

2,400 00 

200 (id 

5,000 00 



3,500 00 

2,160 00 

200 00 

5,500 00 



15,900 00 §125,220 00 



L890.] 



INSURANCE COMPANIES. 



?>3 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first Liens), 123,550 00 

storks, bonds, etc., as per schedul< . . 00 

Cash deposited in bank, 253 85 

Interest accrued 68G 11 

Office furniture and fixtures, . . $500 00 

Gross as* |49,709 9G 



Liabilities. 

a s adjusted, unpaid, .... 
Unearned premiums on outstanding risk-. 
Surplus duo on terminated policies, . 
Tax 

Gross liabilities, ..... 



$500 00 

158 27 
18 74 



29 39 



Net rash assets $20,680 57 



Income. 

Cash premiums received during the year, 
Deduct return premium-. . . . . . 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other souro 

Gross cash income, 



$11,537 66 
g Bo 

f 10,998 81 
1^07 00 
1,199 08 

|13,504 89 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes 

for rents, ....... 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



|12,264 47 

1,185 67 

1,473 00 

112 84 

150 00 

4,292 27 

204 07 

|19,682 32 



Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1889, 84,008,264 00 £54,851 79 

Risks written during 1890, . 831,445 00 11,537 66 



Total, £4,839,709 00 £66,389 45 

Risks terminated during 1890, . 787,754 00 9,684 69 



Conting't Prem's. 

854,851 79 
11,537 66 

£66,389 45 
9,684 69 



In force at end of year, 



£4,051,955 00 $56,704 76 §56,704 76 



Losses incurred during the year, £12,102 47 

Percentage of profits or surplus returned during 1890, 50 per cent. 
Average rate to date, 50 per cent. 



34 



.MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



HIKGHAM MUTUAL FIRE INSURANCE COMPANY, BINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.] 

Amos Bates, President. Henry XV. Cushing, Secretary. 



Amount of permanent fund Dec. 31, 1889, 
Increase during the year, 

I\ nnanent fund Dec. 31, 1890, 

Detailed Statement oe Stocks, 



R.R 



60 " Old Colony Nat. Bank, Plymouth, 
8 " Abington National Bank, Abington, 

10 " Globe National Bank, Boston, . 
19 " Hamilton National Bank, Boston, 
29 " Eagle National Bank, Boston, .* 
12 " Union National Bank, Boston, . 
34 " State National Bank, Boston, . 

26 " North America Natl Bank, Boston, 

11 " Commerce National Bank, Boston, 
45 " Webster National Bank, Boston, 
50 " Hingham Water Company, 
92 " Old Colony Railroad, 
87 " Boston & Albany Railroad, 
25 " Chicago, Burlington & Quincy 
Boston & Albany Railroad bonds, 
Boston & Lowell Railroad bonds, 
Boston & Maine Railroad bonds, 
Eastern Railroad bonds, . 
Union Pacific Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
Hingham Water Company bonds, . 
Town of Hull note, .... 
Boston & Albany R.R stock certificates, 



Securities held as collateral for cash loans: — 

200 shares Oregon short Line & Utah No Ry., 
350 " Thomson-Houston Electric Co., 
125 " Worcester, Nashua & Rochester R.R. 
200 " Union Pacific Railroad, . 
Union Pacific, Denver & Gulf B R. bonds, 
Little Pock vV Foil Smith Railroad bonds, 



Bonds, etc. 

Par Value. 

$3,990 00 
6,000 00 
800 00 
1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,100 00 
4,500 00 
5,000 00 
9,200 00 
8,700 00 
2,500 00 
5,000 00 

10,000 00 

10,000 00 
5,000 00 
5,000 00 
5,300 00 

10,000 00 

3,500 00 

220 00 



$169,367 20 
130 78 

§169,497 98 



.Market Value. 

§4,161 00 

9,600 00 

1,008 00 

1,000 00 

2,280 00 

3,074 00 

1,704 00 

4,284 00 

3,321 75 

1,512 50 

4,505 62 

5,750 00 

15,272 00 

16,878 00 

2,250 00 

5,175 00 

10,350 00 

10,600 00 

6,175 00 

5,531 25 

0.3 18 50 

10,000 00 

3,500 00 

220 00 



$108,810 00 $131,473 62 



Market Value. 

$18,650 00 
16,625 00 



Loaned Thereon. 

$15,000 
12,500 00 



13,940 00 12,000 00 



1890.] 



INSURANCE COMPANIES. 



35 



Helena Consolidated Water Company bonds, 
Everett town bonds, .... 

Waltham city bonds 

Boston & Lowell Railroad bonds, 

100 shares Northern Railroad, . 

58 shares Concord & Montreal Railroad, 



Market Value. Loaned Thereon. 



|> §29,580 00 $25,000 00 



22,015 00 15,000 00 



$100,810 00 $79,500 00 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 

Rents accrued, 

Cross assets, 



$9,500 00 

116,700 00 

134,473 62 

79,500 00 

7;'»6 56 

13,764 17 

1,371 13 

5,714 97 

170 75 



$361,931 20 






Liabilities. 

b claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus clue on terminated policies, 
Commissions and brokerage, . 
Salaries and taxes, 
Gross liabilities, 

Xet cash assets, . 



$1,600 00 

182,989 68 

6,903 6Q 

205 67 

211 10 



191,910 11 

$170,021 09 






Income. 

Casji preminms received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



Gross cash income, 



$58,952 82 

6,364 61 

10,301 77 

416 00 

$76,035 20 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for profits or surplus on terminated policies, . 
for incidental expenses, . 



$19,393 69 

8,382 33 

4,114 62 

688 54 

34,148 76 

869 43 



Gross cash expenditures, 



,597 37 



M 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. Casta Prem's. Contlnp't Prem'8. 

ia outstanding Dec. 31, 1889, $24,558,119 00 $368,655 58 |360,272 75 

Risks written during 1890, . 3,860,483 00 58,952 82 ,,15107 



Total, .... $28,424,002 00 $427,008 40 $417,423 82 

Risks terminated during 1890, . 3,405,513 00 52,568 32 51,444 46 



In force at end of year, . . $25,019,089 00 $375,040 08 $305,979 36 



Losses incurred during the year, $20,921 94 

Percentage of profits or surplus returned during 1890, Qo per cent. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, 

SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

Charles II. Price, President. Thos. H. Johnson, Vice-President. 

Walter L. Harris, Secretary. 

Guaranty Capital, $100,000. 



Amount, of permanent fund, 



Detailed Statement of 



Marion County (Ind.) bonds, . 
Washington County (111.) bonds, 
Boston (Mass.) city bonds, 
Cincinnati (Ohio) city bonds, . 
Cleveland (Ohio) city bonds, . 
Chicago (111 ) city bonds, 
Chelsea (Mass.) city bonds, 
Des Moines (Iowa) city bonds, 
Evansville (Ind ) city bonds, . 
Jeffersonville (Ind.) city bonds, 
Kansas < lity (Mo ) bonds, 
L\ nn (Mass.) city bonds, . 
Lawrence (Mass ) » ■ i i \ bonds, . 
Maiden ( Mass ) city bonds, 
Milwaukee (Wis.) city bonds, . 

Minneapolis ( .Minn.) city bonds, 

Omaha (Neb ) city bonds, 

St. Louis ( .M<>.) city bonds, 
St. Paul (Minn.) city bonds, 



Stocks, Bonds, etc. 

Tar Value. 

$5,000 00 
2,000 00 
5,000 00 

16,000 00 
5,000. 00 
0,000 00 

17,000 00 

10,000 00 
6,000 00 
7,000 00 
6,000 00 
8,000 00 
5,000 00 

10,000 00 
5,000 00 
5,000 00 

29,500 00 
5,000 00 

25,000 00 



$488,585 95 



Market Value. 

$5,750 00 
2,140 00 
5,050 00 

20,430 00 
5,525 00 
6,580 00 

17,510 00 

10,300 00 
4,800 00 
8,260 00 
6,330 00 
8,800 00 
5,325 00 

10,600 00 
5,675 00 
5,100 00 

31,510 00 
5,500 00 

28,350 00 



1890.] 



INSURANCE COMPANIES. 



37 



Salem (Mass ) city bonds 

Atchison, Topeka & Santa Fe Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Boston & Lowell Railroad bonds, 
Burlington & Missouri River R II. (Neb.)bonds 
Chesapeake & Ohio Railroad bond-. 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Chicago & Alton Railroad bonds, . 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & West Indiana Railroad bonds, 
Central Pacific Railroad bond-. 
Central New Jersey Railroad bonds, 
Eastern Railroad bonds, .... 
Essex Railroad bond-. .... 
Easl Middlesex Street Railroad bonds, . 
Housatonie Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds 
Kansas City, St. Jo. & C. B. Railroad bonds, 
Kansas City. Ft. S. & Memphis WW bonds, 
Lehigh Valley Railroad bonds. 
New York & New England Railroad bonds, 
New Haven & Derby Railroad bonds, 
Northwestern Union Railroad bond-. 
Terre Haute & So Eastern Railroad bonds, 
Utali and Northern Railroad bonds, 
Union Pacific Railroad bonds, . 
Consolidated Vermont Railroad bonds, . 
Boston Building Co., Denver, Col , bonds, 
Delaware & Hudson Canal Company bonds, 
Keokuk Water Company bonds, 
Shelbyville Water Company bonds, 
Western Union Telegraph Company bonds, 

31 shares Old Colony Railroad, 

50 " Portland, Portsmouth & Saco R R 
100 " Pitts., Ft. Worth & Chicago R R., 

40 " National Exchange Bank, Salem, 
10 " First National Bank, Salem, . 

10 " Merchants' National Bank, Salem, 
35 " Mercantile National Bank, Salem, 

41 " Naumkeag National Bank, Salem 
140 " Salem National Bank, Salem, 

30 " Atlantic National Bank, Boston, 
15 " Blackstone National Bank, Boston, 
50 " Freeman's National Bank, Boston, 
30 " Globe National Bank, Boston, 
100 " Merchants' National Bank, Boston, 
50 " Republic National Bank, Boston, . 
30 " Revere National Bank, Boston, 



Par Value. 

$10,000 00 

17,400 00 

10,000 00 

2,000 00 

10,000 00 

10,000 00 

16,500 00 

10,000 00 

5,000 00 

5,000 00 

8,000 00 

7,000 00 

7,000 00 

10,000 00 

3,000 00 

10,000 00 

10,000 00 

6,000 00 

5,000 00 

8,000 00 

5,000 00 

15,000 00 

20,000 00 

8,000 00 

5,000 00 

10,000 00 

28,000 00 

2,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

3,100 00 

5,000 00 

10,000 00 

4,000 00 

1,000 00 

500 00 

3,500 00 

4,100 00 

14,000 00 

3,000 00 

1,500 00 

5,000 00 

3,000 00 

10,000 00 

5,000 00 

3,000 00 



Market Value. 

$10,000 00 

12,060 00 

11,000 00 

2,020 00 

9,200 00 

11,200 00 

17,943 75 

10,300 00 

5,850 00 

5,550 00 

8,520 00 

8,015 00 

7,490 00 

12,350 00 

3,030 00 

10,200 00 

10,400 00 

6,000 00 

5,875 00 

8,640 00 

6,325 00 

17,700 00 

20,600 00 

10,640 00 

4,800 00 

9,200 00 

30,540 00 

1,680 00 

10,700 00 

6,250 00 

10,000 00 

9,500 00 

4,900 00 

5,099 50 

6,375 00 

15,000 00 

4,800 00 

1,250 00 

650 00 

4,200 00 

6,232 00 

18,200 00 

4,140 00 

1,665 00 

5,325 00 

3,000 00 

14,800 00 

8,000 00 

3,825 00 



38 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



100 -hares Second National Bank, Boston, 
in " Shoe and Leather Xat'l Bank, Boston, 

in " Beverly National Bank, Beverly, . 
'in " So. Danvera Nat'l Bank, Peabody, . 
12 " First National Bank, Newburyport, 



Par Value. 

$10,000 00 
•inOO 00 
1,000 00 
2,000 00 
1.200 00 



Market Value. 

$19,100 00 
3,880 00 
1,460 00 
2,680 00 
1,488 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Loans on personal securit}-, 
( lash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



£574,300 00 $643,483 25 

31, 1890. 

$40,000 00 

112,750 00 

643,483 25 

2,500 00 

5,071 92 

13,225 47 f 

521 49 
10,160 73 
$827,712 86 



Liabilities. 



Losses claimed and reported, 
Losses disputed or resisted, 



Total amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, 



Net cash assets, 



$100 00 
2,000 00 

$2,100 00 

242,372 52 

90 59 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for expenses on real estate, 

for State and local taxes, .... 

for dividends on guaranty capital, . 

for profits or surplus on terminated policies, 

for incidental expenses, .... 

Gross cash expenditures, .... 



244,563 11 
$583,149 75 



$148,235 60 
4,210 41 

$144,025 19 

6,846 19 

34,686 61 

2,289 17 

$187,347 16 



$59,536 55 

22,318 39 

12,995 00 

8,712 66 

1,518 04 

7.000 00 

58,503 57 

3,899 48 

$174,483 69 



1890.] 



INSURANCE COMPANIES. 



39 



Miscellaneous. 

Amount. 
Risks outstanding Dec. 81,1889, $32,753,382 00 
Risks written during 1890, 10,640,417 00 



Cash Prem's. Contlng't Prcra's 

$464,601 49 $463,531 39 
147,250 67 145,423 71 



Total, .... $43,393,799 00 

Risks terminated during 1890, 9,285,058 00 



$011,852 16 
127,107 11 



$008,955 10 
125,201 91 



In force at end of year, 



.$31,108,741 00 $484,745 05 $483,693 19 



Losses incurred during the year, 
Percentage of profits or surplus returned during 
Kate of interest realized upon the investments 
per cent. 



$59,792 68 
1890, 20,50,70 percent, 
of guaranty capital, 6 -f~ 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 17, 1890. Commenced business June 1, 1890.] 

H. N. Daggett, President. Benjamin Taft, Secretary. 

Office, No. 31 Milk Street. 

Summary of Assets Dec 



Loans on corporation notes, 


$7,500 00 




Cash in the office of the company, . 


5 40 




Cash deposited in bank, .... 


1,963 72 




Premiums in course of collection (gross), 


1,651 78 




Interest accrued, 


105 06 




Oross assets 




$11,225 96 






Liabilities. 






Unearned premiums on outstanding risks, 


$6,475 60 




Taxes, 


35 89 




dross liabilities 




6,511 49 







Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, 

~Net cash premiums received, . 
Received for interest from all sources, 



Gross cash income, 



Expenditures. 
Paid for State and local taxes, . 

for rents, 

for incidental expenses, . 

Gross cash expenditures, . 



:,714 47 



$12,987 


34 


36 


13 


$12,951 


21 


22 


35 


$12,973 56 


$72 


13 


102 


38 


329 


55 



$504 06 



40 



.MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. Cash Prom's. Contingl Prem's. 

Risks written during 1890, . $1,414,790 00 $12,987 34 $64,936 70 

Risks terminated during 1890, . 5,000 00 86 13 180 65 



In force at end of year, . . $1,409,790 00 £12,95121 £0 1,750 05 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 

J. C. Abbott, President. E. T. Abbott, Secretary. 
Amount of permanent fund, $71,182 90 



Detailed Statement of Stocks, Bonos, etc. 



Boston & Lowell Railroad bonds, 
Lowell & Lawrence Railroad bonds, 
Boston, Concord & Montreal Railroad bonds, 
Consolidated Railroad of Vermont bonds, 
Fitchburg Railroad bonds, 
Portsmouth, N. H., city bonds, 

2 shares Pacific Mills, 

2 " Lawrence Manufacturing Co., 

2 " Hamilton Manufacturing Co., 
10 " Lowell Manufacturing Co , 

5 " Massachusetts Cotton Mills, 

5 " Appleton Co., . 
12 " Merrimack Manufacturing Co., 
h0 " Franklin Manufacturing Co., 
30 " Hill Manufacturing Co., . 
30 " Lowell Bleachery, . 

6 " Vermont & Massachusetts Railroad, 
20 " First National Bank, Lowell, . 



Par Value. 

$6,000 00 
4,000 00 
6,000 00 
1,000 00 
3,000 00 
1,500 00 
2,000 00 
2,000 00 
2,000 00 
6,900 00 
5,000 00 
5,000 00 

12,000 00 
5,000 00 
3,000 00 
3,000 00 
600 00 
2,000 00 



Market Value. 

$6,345 00 
4,820 00 

6,120 00 
850 00 
3,000 00 
1,560 00 
3,570 00 
2,900 00 
1,920 00 
6,000 00 
5,162 50 
3,300 00 
15,000 00 
5,350 00 
2,250 00 
4,140 00 
822 00 
3,500 00 



$70,000 00 $76,109 50 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens), $ 11,350 00 

Stocks, bonds, etc., as per schedule, . . 76,109 50 

Cash deposited in bank, 8,245 64 

Premiums in course of collection (gross), . 1,680 12 

[nteresl due and accrued, 1,171 15 

Gross assets, 



f 98,556 41 



1890.] 



INSURANCE COMPANIES. 



41 



Liabilities. 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Gross liabilities, .... 

Net cash assets, 



$27,104 29 
372 GO 

176 53 



$27,653 42 



$70,902 99 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 

Received for interest on mortgages, 
Received for interest from all other sources. 

Gross cash income, .... 



$18,598 59 
626 38 

$17,972 21 

392 00 

4,528 02 

$22,892 23 



Expenditures. 

Paid for losses during the year, . . . . 

tor brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, ... 

for rent ....... 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$3,021 04 
1,546 61 
4,930 00 
304 09 
500 00 
5,476 25 
1,079 01 

116,857 00 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $3,183,801 00 
Risks written during 1890, . 1,224,485 00 



Total, $4,408,286 00 

Risks terminated during 1890, . 811,515 00 



In force at end of year, . . $ 3,596,871 00 
Deduct amount reinsured, . . 2,000 00 



Cash Prom's. Conting't Prom's. 

$46,504 94 $46,504 94 
17,784 15 17,784 15 



$64,289 09 
10,049 90 

$54,239 19 
30 60 



Net amount in force, . . $3,594,871 00 $54,208 59 



$64,289 09 
10,049 90 

$54,239 19 



Losses incurred during the year, $3,029 00 

Percentage of profits or surplus returned during 1890, 33^, 50, 70 per cent. 



42 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 

Thos. B. New hall, President. Edwin II. Johnson, Secretary. 
Amount of permanent fund, $56,910 38 



Detailed Statement of Stocks, 



•40 shares Firs! National Bank, Lynn, 
20 « 
5 ' 

10 « 
15 « 
35 ' 



' National City Bank, Lynn, 

' Central National Bank, Ljmn, . 

' Merchants 1 National Bank, Boston, . 

4 West Newton National Bank, . 

' Atchison, Topeka and Santa Fe R.R., 
Ind., Decatur and Springfield Railroad bonds, 
Chicago, Milwaukee and St. Paul R.R. bonds, . 
Southern Pacific Railroad bonds, 
Atlantic and Pacific Railroad bonds, 
Mexican Central Railroad bonds, 
Toledo city bonds, .... 
Lynn and Boston Railroad bonds, . 
Missouri Valley R.R. and Bridge Co bonds, 
Chicago and Great Western Railroad bonds, 
Boston, Revere Beach and Lynn R.R. bonds, 
Oregon Short Line Railroad bonds, . 
Ohio and West Virginia Railroad bonds, . 
Ogdensburg and Lake Champlain R.R. bonds, 
East Middlesex Railroad bonds, 
Equitable Mortgage Company bonds, 
Atchison, Topeka and Santa Fe R.R. bonds, 



Bonds, Etc. 

l'ar Value. 

$4,000 .00 
2,000 00 
500 00 
1,000 00 
1,500 00 
3,50 ) 00 
1,000 00 
1,000 00 
500 00 
1,000 00 
1,000 00 
1,000 00 
4,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
7,000 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens), $21,375 00 

Stocks, bonds, etc., as per schedule, . . 43,980 00 

Loans on personal security, .... 8G6 20 

Cash deposited in bank, 2,488 40 

[nteresl due and accrued, 1,028 66 

Office furniture, $450 00 

Gross assets, : — 

Liabilities. 

Unearned premiums on outstanding risks, . $12,538 73 

Surplus due on terminated policies, . . . 18 31 

Cross liabilities, 

Net cash assets 



Market Value. 

$6, -240 00 
4,000 00 
800 00 
1,400 00 
1,890 00 
1,050 00 
1,000 00 
1,130 00 
575 00 
725 00 
700 00 
1,070 00 
4,080 00 
2,070 00 
2,100 00 
2,240 00 
2,250 00 
1,130 00 
2,060 00 
2,070 00 
1,000 00 
4,400 00 



$43,000 00 $43,980 00 



$G9,688 26 



12,557 04 
$57,131 22 



1890.] 



INSURANCE COMPANIES. 



43 



Income. 

Cash premiums received during the year. 

Deduct return premiums, 

Net cash premiums received 

ived for interest on mortgag 
Received for interest from all other sources, . 

( rrosfl cash income 

£XPENOI1 DRES. 

Paid for losses during the year 

for salaries and fees 6*f officers and emplo; 

for State and local taxes, 

for renl .......... 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 81, 1889, 11,819,965 00 
Risks written during 1890, . 441,575 00 



Total 

Ki<k< terminated during 1890, 

In force at end of year, 



$2,261,540 00 
354,000 00 



Cash Prem's. 

,834 28 
6,117 94 

$29,952 22 
L874 76 



§6,206 19 
318 81 

|5,887 38 
1,265 34 
2,289 13 

$9,441 85 



81. "50 95 

61 85 
432 00 

4.790 55 

22> 

$8,756 13 



Conting't Prem's. 

$47,668 56 
12,235 88 

$59,904 44 
9.749 52 



11,907,540 00 $25,077 46 850,154 92 



Losses incurred during the year, $1,050 95 

Percentage of profits or surplus returned during 1890, 100 per cent. 
Average rate to date, 75 per cent 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Jan. 1, 1573] 

Charles B. Cumings, President. John M. Corbett, Secretary. 

(Guakaxtt Capital, $200,000.) 

Office, No. 28 State Street. 
Amount of permanent fund, 



Detailed Statement oe Stocks, Bonds, etc. 

Par Value. 

150 shares Tremont National Bank, . . §15,000 00 

80 " Hamilton National Bank, . . 8,000 00 

100 " Merchants 1 National Bank, . . 10,000 00 



§27,835 00 



Market Value. 

617,100 00 

9,600 00 

15,000 00 



1 1 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



7" shares Union National Bank, 
160 " New England National Bank, 

100 " Columbian National Bank, . 
25 " Globe National Hank, 

100 " Webster National Bank, . 

115 " Atchison, Topeka & Santa Fe R R., 
7<> " Chicago, Burlington &QuincyRR., 
62 " Boston & Maine Railroad, 

Boston & Lowell Railroad bonds, 

Burlington & Missouri Railroad bonds, . 

Kansas City, Spring-Held & Mem. R II., bonds, 

Current River Railroad bonds, . 

Kansas & Missouri Railroad bonds, . 

Ateh., Topeka & Santa Fe Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds, 



Par Value. 

$7,000 00 
16,000 00 
10,000 00 
2,500 00 
10,000 00 
11,500 00 
7,000 00 
6,200 00 
10,000 00 
15,400 00 
10,000 00 
10,000 00 
12,000 00 
21,500 00 
11,000 00 



Markot Value. 

,976 00 

27,200 00 

11,200 00 

2,500 00 

10,000 00 

3,320 62 

6,300 00 

9,114 00 

10,500 00 

16,822 00 

10,200 00 

9,700 00 

11,640 00 

14.970 00 

( J,430 00 



|193,100 00 $204,571 62 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens), 
Stoeks, bonds, etc., as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies,. 
Commissions and brokerage, . 

Incidental expenses, 

Gross liabilities, 

Net cash assets, 

Income. 
Cash premiums received during the yen - . 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest <>n mortgages,. 

for interest from all other sources, 

from all other sources, 

c,i(i« cash income, .... 



, $123,800 00 




204,571 62 




4,512 42 




4,886 32 




2,930 02 




• 


$340,700 38 


$35 00 




105 00 




81,765 94 




185 56 




3,404 06 




900 00 




250 00 






86,645 56 




. 


$254,054 82 




$30,056 27 


. 


1.921 49 


. . . 


$28,131 78 


• 


5,503 00 


. 


9,838 63 


. 


1,777 95 


. . . 


$45 : 254 36 



1890.] 



INSURANCE COMPANIES. 



45 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for dividends on guaranty capital, . 

for State and local taxes, 

for rent- 

for profits or surplus on terminated policies, . 

for incidental expenses, 

Gross cash expenditures, 



$9,230 29 

3,999 33 

10,621 86 

14,000 00 

321 05 

3,000 00 

5,844 02 

1,575 39 

848,591 94 



Miscellaneous. 

Amount. Cash Trent's. ContiiiR't Prem's. 

Risks outstanding Dee.: 1 .!, 1889, $ 20,232,638 00 |160,564 50 f 160,816 01 

Risks written during 1890, . 3,929,160 00 31,354 48 31,354 48 



Total, $24,161,798 00 $191,918 98 f 192,170 49 

Risks terminated during 1890, . 3,541,360 00 28,230 34 28,230 34 



In force at 'aid of year, 
Deduct amount reinsured, 



.$20,620,438 00 $163,688 64 $163,940 15 
16,850 00 163 75 



Net amount in force, . .$20,603,588 00 $163,524 89 

Losses incurred during the year, $9,370 29 

Percentage of profits or surplus returned during 1890, 25 per cent. 
Average rate to date, 23 t 6 5 q per cent. 

Rate of interest realized upon the investments of guaranty capital, 4 T 6 °g- 
per cent. 



MERCHANTS' AND FARMERS 1 MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan 1, 1847.] 

John D. Washburn, President. Elijah B Stoddard, Secretary. 



Amount of permanent fund, .... 

Detailed Statement of Stocks, 

60 shares Atch , Topeka and Santa Fe R.R , 

50 ' 

25 ' 

20 ' 

20 ' 

13 ' 

25 ' 

29 ■ 
50 



Union Pacific Railroad, 
Wachusett National Bank, 
Westminster National Bank, 
Central National Bank, 
Mechanics 1 National Bank, 
Quinsigamond National Bank, 
Wor., Nashua and Rochester R.R., 
Chicago and Alton Railroad, 



Bonds, etc. 

Par Value. 

$6,000 00 
5,000 00 
2,500 00 
2,000 00 
2,000 00 
1,300 00 
2,500 00 
2,900 00 
5,000 00 



|120,252 29 



Market Value. 

$3,000 00 

3,500 00 

5,625 00 

2,000 00 

3,000 00 

1,625 00 

3,125 00 

3,770 00 

7,050 00 



46 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



25 shares Chicago, Burlington & Quincy R.R , . 
25 M Boston & Albany Railroad, 
34 " Providence and Worcester Railroad, 
Providence and Worcester Railroad bonds, 

Lawrence city bonds, 

Wor, Nashua and Rochester Railroad bonds, . 

Eastern Railroad of .Minnesota bonds, 

Atch., Topeka and Santa Fe Railroad bonds, . 



Par Value. 

2,500 00 

2,500 00 

3,400 00 

25,000 00 

20,000 00 

500 00 

5,000 00 

14,247 00 



Market Value. 

2,700 00 

5,450 00 

8,840 00 

30,000 00 

23,000 00 

542 50 

5,000 00 

12,000 00 



$102,347 00 $120,227 50 



Summary of Assets Dec 31, 1890. 

( a sh value of unencumbered real estate, . $33,800 00 

Loans on mortgage of real estate (first liens), 116,150 00 

Stocks, bonds, etc , as per schedule, . . . 120,227 50 

Cash deposited in bank, 9,922 83 

Premiums in course of collection (gross), . 7,056 26 

Interest accrued, 4,000 00 

Gross assets, — 



Liabilities. 

Losses adjusted, unpaid, $4,100 00 

Losses claimed and reported, . . . 400 00 

Unearned premiums on outstanding risks, . 162,985 63 

Surplus due on terminated policies, . . 2,500 00 

Commissions and brokerage, .... 1,008 82 

Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, ... 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, ...... 

Gross cash income, 

K.XPENDITURES. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for Slate and local taxes, ..... 
for profits "l- -m pin- (Hi terminated policies, . 
lor incidental expenses, 

Gross cash expenditures, 



$291,156 59 



170,994 45 
$120,162 14 



$102,164 67 
3,835 77 

$98,328 90 
7,071 80 
5,719 01 
1,134 68 



12,254 39 



$53,284 79 

15,302 88 

6,833 92 

1,702 89 

39,540 30 

2,590 91 

$119,255 69 



18! 



[NSURANCE COMPANIES. 



47 



Miscellaneous. 

Amount. Cash Prem's. Conting"t Prem's. 

ntstandingDec 31,1889, 121,673,435 00 $319,12 
3 written during - . 7,237,922 00 101,210 8 101,210 8 



Total $28,911,357 - . - 

Risks terminated daring _ -66 94, 8 



In force at end of year, . .$22,158,138 00 $325,97126 

3 incurred during the year 2,396 45 

its or surplus returned during E - 60 per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER, 

[Incorporated Feb. 7, 1S2S. Commenced business March 1, 1828.] 

William S. Jenkins, President. Joseph a Smabt, Secretary. 



Amount of permanent fund, 

Detailed Statement <>f Stocks, Bonds, Etc. 

Par Value. 

United States bonds 00 

Charlestown city bonds '00 00 

Chicago city bonds 12,000 00 

Cincinnati city bon 16,000 00 

Fall River city bon 10,000 00 

Lynn city bonds 00 00 

Northampton city bonds .... 5,000 00 

Toledo city bonds 5,000 00 

Cambridge Horse Railroad bonds, . . . 15,000 00 

Lynn & Boston Horse Railroad bonds , . . 10,000 00 

Metropolitan Horse Railroad bonds, . . 20,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 10,500 00 

Boston vv. Lowell Railroad bonds, . . . 5.000 00 

Boston Cc Maine Railroad bonds. . . . 10,000 00 

Boston & Providence Railroad bonds, . . 5.000 00 

Chicago, Burlington & Quincy R.R. bonds, . 10,000 00 

Chicago, Milwaukee £ St. Paul R.R. bonds, . 5,000 00 

Chicago & Northwestern Railroad bonds, . 10,000 00 

Old Colony Railroad bonds, .... 10,000 00 

Chicago, Wisconsin £ Minnesota R R bonds, 5.000 00 

Spokane £ Palouse Railroad bonds. . . 5,000 00 

No. Pacific £ Montana Railroad bonds. . . 10,000 00 

Chicago, Peoria & St. Louis Railroad bonds, . 5,000 00 



14 



et Value. 

5,100 00 

12.. 

- 00 

11,<»50 00 

00 

5,11 : 

15.600 00 

10, 

2 £ ) 00 

8,190*00 
00 
10,500 

5.320 00 

10,100 : 

5,000 00 
10,450 00 
11,100 00 

5,200 00 

00 

10,200 00 

4.750 00 



L8 



MASSACHUSETTS MUTUAL FIRE [Dee. 31, 



Vfatervliel Turnpike & Railroad bonds, . 

Helena (Montana) Water Company bonds, 

Salem (Ohio) Water Company bonds, 

Auburn city Railway bonds, 

si<>u\ city Land Company bonds, 

50 shares Boston Investment Company, . 



Securities held as collateral for cash loans 
15 shares Lawrence National Bank, . 



Par Value. 

$10,000 00 
5,000 00 
6,000 00 
10,000 00 
4,500 00 
5,000 00 



Market Value. 

$ 10,200 00 
5,000 00 
6,000 00 
10,200 00 
4,500 00 
5,600 00 



$261,000 00 |276,330 00 



Market Value. Loaned Thereon. 

$1,700 00 $1,500 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens), $38,700 00 

Stocks, bonds, etc., as per schedule, . . 276,330 00 

Loans on collateral security, as per schedule, . 1,500 00 

Cash in the office of the compan}', . . . 838 44 

Cash deposited in bank, 7,539 65 

Premiums in course of collection (gross), . 5,418 52 

Interest due and accrued, 5,616 47 

Gross assets, . . ... . . 

Liabilities. 

Losses adjusted, unpaid, $2,500 00 

Unearned premiums on outstanding risks, . 186,094 17 

Commissions and brokerage, .... 774 07 

Gross liabilities, 



$335,943 08 



189,368 24 



Net cash assets, $146,574 81 



Income. 

Cash premiums received during the year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, 

for interest from all other sources, . 

Gross cash income, 

Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and tees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
tor incidental expenses, 

Gross cash expenditures, 



$100,304 16 
3,747 20 

|96,556 96 

1,923 00 
16,765 45 

$115,245 41 



$42,088 34 

14,810 20 

6,857 50 

886 00 

500 00 

41,565 58 

1,101 70 

$ 109,809 32 



L890.] 



INSURANCE COMPANIES. 



49 



Miscellaneous. 

Amount. Cash Prem'8. Contlng't Prem'a. 

Risks outstanding Dec. 31, 1889, $23,541,177 00 £349,527 77 $349,527 77 

Risks written during L890, . 6,780,373 00 103,882 98 103,882 98 



Total $80,821,550 00 8453,410 75 $453,410 75 

Risks terminated during 1890, 5,561,745 00 81,222 41 81,222 41 



In force at end of year, . . £24,759,805 00 $372,188 34 $372,188 34 

Losses incurred during the year, $35,088 50 

Percentage of profits or surplus returned during 1890, 25,40, 70 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, 

COXCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 

George 1 1 ey wood, President. Richard F. Barrett, Secretary. 

Amount of permanent fund Dec. 31, 1889, .... $322,608 50 

Increase during the year, 204 03 

Permanent fund Dec. 31, 1890, $322,812 53 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Blackstone* National Bank, Boston, §5,000 00 $5,525 00 

Merchants 1 National Bank, Boston, 1,500 00 2,253 75 

Webster National Bank, Boston, . 4,000 00 4,005 00 

Boston Xational Bank, Boston, . 5,300 00 6,346 75 

Eliot Xational Bank, Boston, . . 2,500 00 3,350 00 

Howard Xational Bank, Boston, . 5,400 00 5,953 50 

Revere National Bank, Boston, . 3,000 00 3,840 00 

Shawmut Xational Bank, Boston, . 11,300 00 14,718 25 

Faneuil Hall Nat'l Bank, Boston, . 2,000 00 2,850 00 

Xo. American Nat'l Bank, Boston, . 4,400 00 5,632 00 

Central Xational Bank, Boston, . 1,000 00 1,395 00 

Traders' Xational Bank, Boston, . 3,000 00 3,090 00 

State Xational Bank, Boston, . . 1,800 00 2,268 00 

Market Xational Bank, Boston, . 1,000 00 1,000 00 

Commercial Nat'l Bank, Boston, . 3,000 00 3,000 00 

Suffolk Xational Bank, Boston, . 500 00 551 25 

Concord National Bank, Concord, . 3,300 00 5,280 00 

Boston and Albany Railroad, . . 4,500 00 8,775 00 

Cleveland and Canton Railroad, . 8,852 00 1,637 62 

Fitchburg Railroad, . 10,000 00 8,500 00 

Philadelphia, Wil and Bait. R.R , . 2,500 00 3,000 00 



50 shares 


15 


u 


40 


m 


53 


u 


25 


(t 


54 


If 


30 


(I 


113 


If 


20 


II 


44 


II 


10 


II 


30 


If 


18 


(I 


10 


tf 


30 


If 


5 


II 


33 


II 


45 


II 


88- 5 -' 2 - " 

oo 10 


100 


II 


50 


11 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



shares Chicago, Burl, and Quincy RR., 
230 " Atchison, Topeka and Santa Fe RR n 
Boston and Albany Railroad rights. . 
shares Pullman Palace Car Co., . 
50 shares Massachusetts Ileal Estate Co., 
Boston and Albany Railroad bonds, . 
Eastern Railroad bonds, .... 
Burlington and Missouri Railroad bonds, 
Chicago, Burlington and Quincy RR. bonds, 
Chicago, Burlington and Northern RR. bonds, 
Fitchburg Railroad bonds, 
Atchison, Topeka and Santa Fe RR. bonds, 
Mast .Middlesex Street Railroad bonds, 
United States bonds, .... 

Bath city bonds, 

Illinois Steel Company bonds, . 
Concord water bonds, .... 



Securities held as collateral for cash loans : — 

10 shares Fitchburg Railroad, .... 

8 " American Powder Mills, . 

10 " New Eng. Telephone and Tel. Co., . 

9 " Chicago and West Michigan RR , . 
8 " New Eng. Telephone and Tel. Co., . 

C8 " Illinois Steel Company, 

58 " Pemberton Mills, .... 



Par Value. 

£20,000 00 

23,000 00 

57 75 

7,900 00 

5,000 00 
40,000 00 

6,000 00 

7,000 00 
12,000 00 

2,000 00 
20,000 00 

6,288 25 
10,000 00 
28,000 00 

3,000 00 
10,000 00 
19,500 00 



Market Value. 

$19,200 00 

7,360 00 

57 75 

14,852 00 

5,750 00 
41,800 00 

7,410 00 

6,300 00 
12,240 00 

1,985 00 
20,200 00 

4,141 00 
10,500 00 
33,320 00 

3,000 00 
10,000 00 
23,150 00 



$303,598 00 $314,236 87 

Market Value. Loaned Thereon. 

$850 00 ^ 

$1,800 00 

300 00 
9,000 00 



} 



1,000 00 
510 00 
396 00^1 

408 00 I 
5,440 00 ^ 
6,960 00 



$15,564 00 $11,100 00 



Summary of Assets Dec. 31, 1890. 

Cash value of uneneumbei'ed real estate, . $17,900 00 

Loans on mortgage of real estate (first liens), 1 14,527 00 

Stocks, bonds, etc., as per schedule, . . . 314,236 87 

Loans on collateral security, as per schedule, . 11,100 00 

Loans on personal security, .... 60,250 00 

Cash in the office of the company, . . . 2,756 73 

( lash deposited in bank, 2,723 73 

Premiums in course of collection (net), . . 1,469 49 

[nteresl due and accrued, 15,517 90 

Rents due and accrued, 175 00 

Gross assets,. : 

Liabilities. 

Losses claimed and reported $1,500 00 

Unearned premiums on outstanding risks, . 215,528 08 

Gross liabilities 

Net cash assets, 



$540,656 72 



217,028 08 
$323,628 64 



L890.] 



INSURANCE COMPANIES. 



51 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Wt cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 
for rents, 

Gross cash income, 

Expenditures. 

Paid for losses during the year, 

Taid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$100,910 98 

621 75 

$100,289 23 

5,438 54 

16,036 89 

600 00 

$122,364 66 



$26,503 30 

14,420 46 

8,160 00 

1,204 15 

47,720 75 

3,940 63 

$101,949 29 



Miscellaneous. 

Amount. ( :ish Prem's. Conting't Prems. 

Risks outstanding Dec. 31, 1889, $2*J L8,084 00 $405,780 68 $105,780 68 

Kisks written during 1890, . 6,791,130 00 ,99,185 73 99,185 73 



Total, $34,909,214 00 

Risks terminated during 1890, . 5,074,647 00 



$504,966 41 $504,966 41 
73,910 24 73,910 24 



In force at end of year, 



.$29,834,567 00 $431,056 17 $431,056 17 



Losses incurred during the year, 



$28,003 30 



Percentage of profits or surplus returned during 1890, 50, 70 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated Dec. 3, 1851. Commenced business January, 1852.] 

Geo. L. Cook, President. Geo. G. Parker, Secretary. 



Amount of permanent fund, 



r ,562 74 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

10 shares Milford National Bank, . . . $1,000 00 $ 1,400 00 

9 " Hide and Leather National Bank, . 900 00 1,127 00 

Milford Water Company bonds, . . . 6,500 00 6,825 00 



5,400 00 



>,352 00 



:>l> MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Securities held as collateral for cash loans: — 

Market Value. Loaned Thereon. 

122 shares Lexington Water Company, . . $5,490 00 $3,948 09 
Mortgage assigned, - 687 75 



$5,490 00 $4,635 84 



Summary of Assets Dec. 31, 1890. 

Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
(ash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of colleotion (gross), 
Interest due and accrued, .... 
Office furniture, . . . . $ 50 00 
Gross assets, 



$9,352 00 


4,635 84 


944 


19 


3,022 


99 


1,137 


76 


398 
) 


65 



$19,491 43 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Incidental expenses, ..... 
Gross liabilities, .... 

Net cash assets, 



$416 66 
700 00 

9,706 52 
135 51 
455 12 



11,413 81 

$8,077 62 



Income. 

Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, . 
Received for interest on mortgages, 
Received tor interest from all other sources, 

Gross cash income, .... 



$9,001 


63 


577 


39 


$8,424 


24 


33 


00 


942 


36 



>,399 60 



Expenditures. 

Paid for losses during the year, . 
for brokerage and commissions, 
for salaries and tees of officers and employees, 

for Sialc and local taxes, ..... 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Cross cash expenditures, 



$5,001 


18 


1,324 


01 


558 


95 


88 


04 


1,400 


30 


699 


17 



1,066 65 



0.] 



LNSURANCE COMPANIES. 



53 



Miscellaneous. 

Amount. 

Dding Dec 31, 1889, $1,573,409 00 
Bisks written during 1890, . >,610 00 



Cash Prem's. Contlng't Prems 

$17,423 91 $17,423 91 



:il $2,294,01 

g terminated during 18! 683,333 00 



9,001 63 

$26,425 54 
7,012 49 



1 63 

■" • 
7,012 49 



Tn furee at end of 3 



. $1,610,686 00 $19,41;. $19,413 05 



h - icnrred during the rear, 






Percentage of profits or surplus returned during 1890, 25, 50 per cent. 



MILL OWNERS MUTUAL FIRE INSURANCE COMPANY. 

BOSTON. 

[Incorporated June 13, 1873. Commenced business Aug. 1,181 

Roland W. Toppan, President. William II. II. Whiting, Secretary. 

Office, Xo. 31 Milk Street. 

Detailed Statement of 9to< KB, Bonds, Etc. 

Par Value. Market Value. 

Kansas City. Fort Scott ft Memphis R.R. bonds, f 10,000 00 $10,800 00 

Chicago, Burlington ft Quincy B R. bonds, . ,000 00 45,565 00 

Burl ft Missouri River (Neb ) B B bonds, . 10,000 00 50 00 

New York A New England Railroad bonds, . 00 14,730 00 

Boston & Lowell Railroad bonds, . . . 15, 00 15,000 00 

Boston city bonds '00 35,700 00 

Atchison. Topeka ft Santa Fe R.R. bonds, . 00 4.910 00 

Corporation notes, 79,679 06 79.679 06 

§218,679 06 -$215,334 06 



Summary of Assets Dec. 31, 1890. 

Stocks, bonds, etc., as per schedule, . . $215,334 06 

Cash in the office of the company, ... "30 

Cash deposited in bank, 5,053 09 

Interest accrued, 2,330 00 

Gross ass- $223,346 45 

Liabilities. 

Unearned premiums on outstanding risks, . $144,290 06 

Taxes, . 520 75 

Gross liabilities, 144,810 81 



2s et cash assets, §78,535 64 



54 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income 

Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, . 
Received for interest from all sources, 
Received for rents, .... 

Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses and inspections, . 

Gross cash expenditures, .... 



$303,598 67 
14,879 93 

1288,718 74 

10,516 83 
300 00 

§299,535 57 



$35,311 01 

11,380 00 

2,848 07 

79Q 20 

207,007 22 

8,326 04 

$265,668 54 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1889, $29,009,928 00 $272,491 69 $1,362,458 45 

Risks written during 1890, . 34,412,273 00 303,598 67 1,517,993 35 



Total, .... $63,422,201 00 $576,090 36 $2,880,451 80 

Risks terminated during 1890, 30,989,386 00 287,510 24 1,437,551 20 



In force at end of year, . . $32,432,815 00 $288,580 12 $1,442,900 60 

Losses incurred during the year, $35,243 50 

Percentage of profits or surplus returned during 1890, 7o T ^ per cent. 
Average rate to date, 67 T -§ V per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 

W. C. Sturtevant, President. Frank R. Young, Secretary. 
Amount of permanent fond, $117,216 33 



Detailed Statement of Stocks, Bonds, etc. 



75 shares Second National Bank, Springfield, 
61 " Chicopee Natl Bank, Springfield, . 
25 " John Hancock Nat'l Bank.Spr'ld, . 
( j:> " Firs! National Bank, Springfield, . 
25 " Chapin National Bank, Springfield, 



Tar Value. 
$7,500 00 
6,100 00 
2,500 00 
2,500 00 
2,500 00 



Market Value. 

$11,250 00 

10,065 00 

8,000 00 

8,625 00 

3,375 00 



1890.] 



INSURANCE COMPANIES. 



55 



Par Value. Market Value. 

10 shares Monson National Bank, Monson, . $1,000 00 $1,500 00 

L0 - First National Bank, Chicopee, . 1,000 00 1,400 00 

60 - IladK'v Falls Xafl Bank, Holyoke, 5,000 00 8,00" 00 

50 " Commerce National Bank, Boston, . 6,000 00 6,760 00 

77 " Boston and Albany Railroad, . 7,700 00 14,988 00 

160 " N.Y. Central and Hudson River R.R., 15,000 00 15,160 00 

65 •• Chic., Burlington and Quincy K.K , 5,500 00 1,950 U0 

50 " Union Pacific Railroad, . . 5,000 00 00 00 

in " Lake Shore and Michigan So. RJ£., U>00 00 4,320 00 

Boston and Albany Railroad bonds, . . . 7.000 00 7,140 00 

Union Pacific Railroad bonds. 8,000 00 8,720 00 

Vermont Valley Railroad bonds, . . . 4,000 00 1,100 00 

Chicago, Burlington and Northern U.K. bonds, 500 00 500 00 

Western Union Telegraph bonds, . . . 7,000 00 -0 00 

Mass. and Southern Construction Co. bonds, . 3,000 00 3,000 00 

( ihesapeake and Ohio Railroad bonds, . . l.oOO 00 4,000 00 

Ohio Southern Railroad bonds, . . . 3,000 00 3,000 00 

$106,800 00 $129,333 00 



mm m;v of Assets Dec 

Loans on mortgage of real rotate, . 
Stocks, bonds, etc., a- per schedule, . 
(ash in the office of the company, . 
Cash deposited in hank, . 
Interest due and accrued, . 

Gross assets, .... 



31, 1890. 



813,200 00 
129,333 00 

298 52 
1,302 82 

9G3 41 



$148,097 75 



Liabilities. 

Unearned premiums on outstanding risks, . $32,853 90 

Surplus due on terminated policies, . . 170 60 

Gross liabilities, 



33,024 50 



Net cash assets, $115,073 25 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on morto-ao-es, 

for interest from all other sources, 

from all other sources, 

Gross cash income, .... 



$14,091 


53 


541 


10 


f 13,550 


43 


836 


57 


6,273 


50 


228 


43 


$20,888 93 



56 



MASSACHUSETTS MUTUAL FIRE [Deo. 31, 



Expenditures. 

Paid for losses daring the }"ear, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



|2,998 


69 


3,150 00 


134 


22 


500 


00 


9,779 


55 


418 


23 


$16,975 


69 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, f 4,326,788 00 
Risks written during 1890, . 941,350 00 



Total, $5,268,138 00 

Risks terminated during 1890, . 871,550 00 



In force at end of year, . . $4,396,588 00 



Cash Prem's. Conting't Prem's. 

$64,606 20 $129,212 40 
14,066 72 28,133 44 



$78,672 92 $157,345 84 
12,965 11 25,930 22 



$65,707 81 $131,415 62 
$2,993 69 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1890, 80 per cent. 
Average rate to date, 80 per cent. 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 

Amos Stone, President. George H. Pendergast, Secretary 

Office, Thompson Square. 



Amount of permanent fund, 



$52,629 30 



Detailed Statement of Stocks, Bonds, Etc. 



10 shares Monument National Bank, Boston, . 
20 " Nat'l Bank of the Republic, Boston, 
31 " Charlestown Gas Co., 
50 " Atchison, Topeka & Santa Fe R.R., . 
10 " Somerville Electric Light Co., . 
Northern Pacific Railroad bonds, 



Tar Value. 

$1,000 00 

2,000 00 
1,550 00 
5,000 00 
1,000 00 
2,000 00 



Market Value. 

$2,300 00 

8,400 00 

3,100 00 

1,600 00 

1,(100 00 

2,280 00 



$12,550 00 $13,080 00 



1890.] 



INSURANCE COMPANIES. 



f>7 



Summary of Assets Dec. 31, 1890. 



( lash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc , as per schedule, . 

Cash in the office of the company, . 

('ash deposited in bank, . 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



$8,000 00 

29, 100 00 

13,680 00 

293 54 

8,130 72 

1,305 80 

1,344 85 



$62,154 91 



Liabilities. 
Losses adjusted, unpaid, . . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies,. 

Gross liabilities, 



Net cash assets, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all sources, . 

Gross cash income, . 



$25 00 

6,710 43 

206 24 



6,941 67 

$55,213 24 



$3,256 76 

123 21 

$3,133 55 

1,229 54 

815 24 

$5,178 33 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for inspections and incidental expenses, . 

Gross cash expenditures, .... 



$135 00 


471 


61 


220 


33 


400 


00 


482 


47 


157 


83 



$1,867 24 



Eisks outstanding Dec. 31, 1889, 
Risks written during 1890, 



Miscellaneous. 

Amount. 

,179,230 00 
281,580 00 



Total, . 
Risks terminated during 1890, 

In force at end of year, 



$1,460,810 00 
205,180 00 



Cash Prem's. 

$12,206 00 
3,157 58 

$15,363 58 
1,942 71 



$1,255,630 00 f 13,420 87 



Contlng't Prem's. 

|12,206 00 
3,157 58 

$15,363 58 
1,942 71 

$13,420 87 
$135 00 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1890, 20, 25 per cent. 
Average rate to date, 25 per cent. 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.J 



Amos Notes, President. 



Charles J. Brock way, Secretary. 



Amount of permanent fund, 



$27,021 89 



Detailed Statement of Stocks, 

100 shares Merchants' Nat'l Bank, Newburyp't 
18 
31 
15 
10 
9 
10 
10 
14 
10 



Mechanics' Nat'l Bank, Newburyp't 
Ocean Nat'l Bank, Newburyport, 
Washington National Bank, Boston 
Hide & Leather Nat'l Bank, Boston 
Traders' National Bank, Boston, 
Market National Bank, Boston, 
Shoe & Leather Nat'l Bank, Boston 
Chicago, Burlington & Q.uincy R.R 
Atchison, Topeka & Santa Fe R.R. 
Lawrence city bonds, .... 
Fall River city bonds, .... 
Rutland Railroad bonds, .... 
Atchison, Topeka & Santa Fe Railroad bonds 
Chicago, Burlington & Northern R.R. bonds, 
Consolidated Railroad of Vermont bonds, 
Chicago, Burlington & Quincy R.R. bonds, 



Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc , as per schedule, 
Cash deposited in bank, . 
[nteresl due and accrued, . 
Office furniture, etc , 
( i ross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Rents due and accrued, .... 
Gross Liabilities, 

Net cash assets, 



Bonds, etc. 

Par Value. 

$2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 

900 00 
1,000 00 
1,000 00 
1,400 00 
1,000 00 
1,000 00 
1,000 00 
1,500 00 
5,000 00 
2,000 00 
2,000 00 

600 00 



Market Value. 

$2,900 00 
2,304 00 
1,922 00 
1,815 00 
1,300 00 

927 00 
1,000 00 

970 00 
1,2G0 00 

295 00 
1,100 00 
1,180 00 
1,595 00 
3,185 00 
1,980 00 
1,700 00 

612 00 



$26,250 00 


$26,045 00 


J. 31, 1890. 




$2,200 00 




26,045 00 




3,045 90 




115 42 




J 


$31,406 32 


$4,377 52 


25 00 






4,402 52 





$27,003 80 



* [Note. — Since decoased.] 



1890.] 



INSURANCE COMPANIES. 



59 



Income. 

Cash premiums received during the year, 

Deduct return premiums, ...... 

Net cash premiums received, 

Received for interest from all sources, . 
Received from policy i'< 

Gross cash income 

Expenditures. 

Taid for losses during the year 

for salaries and fees <>t' officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 



Gross cash expenditures, . 



Risks outstanding Dec. 81, 1889, 

Risks written during 1890, 



Miscellaneous. 

Amount. 

$692,285 00 
101,050 00 



$1,272 15 
124 86 

$1,147 29 

1,815 66 

38 25 

$2,501 20 



|61 


75 


850 


00 


11 


is 


150 


00 


1,128 


40 


88 


92 



£1,790 bb 



Cash Prem's. Conting't Prem'a. 

$8,715 29 $69,722 32 
1,272 15 5,088 60 



Total, .... 
Risks terminated during 1890, 

In force at end of year, 



$793,385 00 

97,950 00 

$695,385 00 



$9,987 44 
1,232 40 



{,755 04 



$74,810 92 

♦39,790 76 

$35,020 16 

$61 75 



Losses incurred during the year, ...... 

Percentage of profits or surplus returned during 1890, 100 per cent. 
Average rate to date, 100 per cent. 

[Note. — Deposit notes have been reduced from eight to four times the amount of cash 
premiums.] 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 

J. White Belcher, President. Elijah Howe, Jr., Secretary. 
Amount of permanent fund, f 310,782 03 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

100 shares Old Colony Railroad, . . . $10,000 00 $16,600 00 

75 " Boston and Lowell Railroad, . . 7,500 00 13,200 00 

100 " Boston and Albany Railroad, . . 10.000 00 20,000 00 

100 " Chicago, Burling, and (juincy R.R., 10,000 00 9,000 00 

20 " Boston and Providence Railroad, . 2,000 00 5,000 00 



60 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



100 shares Atch , Topeka and Santa Fe R.R., 
.".'i •• Dedham Water Company, 

N. II. Trust Company bonds, . 
Consolidated Street Railway Company bonds, 
Boston & Providence Railroad bonds, 
Minneapolis Gas Light Company bonds, . 
N. E. Mortgage Security Company bonds, 
Boston and Lowell Railroad bonds, . 
Union Pacific Railroad bonds, . 
Maine Central Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Cincinnati city bonds, .... 
Kan. City, St. J. and Council Bluffs R.R. bonds, 

Chicago city bonds, 

Union Pacific Railroad bonds, . 

Marquette and Ontonagon Railroad bonds, 

Atchison, Topeka and Santa Fe R.R. bonds, 

Northern Pacific Railroad bonds, 

Philadelphia and Reading Railroad bonds, 

Atch., Topeka & Santa Fe R.R. income bonds 

Old Colony Railroad bonds, 

Fremont, Elkhorn & Mo. Val. Railroad bonds 

Washington Count}', Illinois bonds, 

Fitchburg Railroad bonds, 

Grand Avenue Railway, Kansas City bonds, 

Lombard Investment Co. bonds, 

Western Security Co. bonds, . 

Salem city bonds, . . . . 

Randolph town notes, .... 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Interest due and accrued, 

Rents accrued, 

Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 

( ommissiona and brokerage, . 

Grose liabilities, 



Par Value. 

$10,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

23,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

25,000 00 

9,000 00 

6,000 00 

21,000 00 

32,000 00 

30,000 00 

5,000 00 

8,000 00 

18,000 00 

12,000 00 

5,000 00 

5,000 00 

20,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

4,800 00 



Market Value. 

$2,900 00 

5,000 00 

9,500 00 

5,000 00 

10,300 00 

5,000 00 

21,850 00 

5,162 50 

4,750 00 

5,250 00 

10,000 00 

30,500 00 

10,350 00 

6,600 00 

21,630 00 

32,000 00 

22,400 00 

5,500 00 

8,400 00 

8,610 00 

13,200 00 

5,750 00 

5,000 00 

20,000 00 

4,800 00 

4,750 00 

4,750 00 

5,403 50 

4,800 00 



$353,300 00 $362,986 00 

31, 1890. 

$10,000 00 

47,950 00 

362,986 00 

7,551 77 

4,592 40 

7,246 60 

220 83 

$140,547 60 



$124,572 10 

207 39 

4,266 17 

678 86 



Net cash assets, 



129,724 52 
5310,823 08 






INSUKANCE MPANIES. 






iKOOMBi 

1 ih premiums received during the year, 
let return premiu: . 

premiums received 

Received for interest on n 
Received for interest from all other Boura s, 
•1 tor rents 

Gross cash income 



EXPENPITIRT - 

Paid for ss a : irinir the vear 

broker _ Lesions, . 

for saU I officers and empl< 

for S1 ad local tax .... 

- r surplus on terminated polic : 
for incidental expense- .... 

Gross cash expenditures, 



_ 74 

|48, _ 25 

- ' 
.744 49 

-.•_ a " 

$71,247 14 



| 388 16 

1 10 
~ 9 B( 

S 



MlSCKLLAKI 

Amount. Cash Prem's. Conting't Prem's. 

- utstanding De< - B8 9240,379 41 

Risks written during 1890, - 00 50,217 88 



T tal $- |291£41 71 |288, 73 71 

ininated during 1890, . 1.777- 41,156 74 



In force at end of year. . . $16,73 -^ 

1 during the year > 23 

Percentage of pro: rplus returned during 3£, 50, 70 per cent. 



PAPER MILL MUTUAL INSURANCE [PANT, BOSTON. 

[Incorporated- ".SSfl. Commenced business April 1, 15S7.] 

R. W. Topfax. President. Wm. H H Whiti^-:.. - try. 

Office. 31 I eet. 

Detailed Statement o* Stocks. B'~>vi>5. etc 

Par Value. :"iet Value. 

Portland & Ogdensburg Railroad bonds. . . - .000 00 

ritchburg Railroad bonds <X) 

Cincinnati. Sandusky & Cleveland R.R. bo Is 00 00 5,050 00 

Maine Central Railroad bonds, . . XK) 00 1 

Atchison, Topeka & Sar I bonds,. 00 00 

Pennsylvania Railroad bonds ~.>00 00 ".25 00 



|35,( - " " ) 00 



62 



MASSACHUSETTS MUTUAL MRE [Dec. 31, 



Summary of Assets, December 81, 1890. 

Stocks, bonds, etc . as per schedule, . . . $35,650 00 

Cash in the office of the company, . . . 430 10 

Cash deposited in bank, 4,971 37 

Premiums in course of collection (gross), . 459 25 

[nteresl accrued, 485 00 

Gross assets, §41,995 72 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes, 

Gross liabilities, 

Net cash assets, . 



$600 00 

20,156 04 

75 70 



20,8,31 74 



§21,163 98 



Income. 

Cash premium received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, 

Gross cash income, .... 



$42,731 72 
2,294 35 



,437 37 
1,507 86 



§41,945 23 



Expenditures. 
Paid for losses during the year, .... 
Paid for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 

for incidental expenses, 

Gross cash expenditures, 



§6,308 


25 


2,450 00 


395 


11 


150 


00 


23,928 


94 


529 


10 


$33,761 40 



Miscellaneous. 

Amount. 

Risks outstanding Dec 31,1889, $2,470,509 00 
Risks written during 1890, . 3,924,367 00 



Total, §6,394,876 00 

Risks terminated during 1890, 2,735,663 00 



Cash rrem'a. Continpr't Prems. 

$31,944 12 §159,720 60 
42,766 56 213,832 80 



$74,710. 68 §373,553 40 
34,398 48 171,992 40 



[n force at end of year, . . $3,659,213 00 $40,312 20 $201,56100 



Losses incurred during the year, $6,908 25 

Percentage of profits <>r surplus returned during 1890, 75 per cent. 



1890.] 



INSURANCE COMPANIES. 



63 






PATRONS' MUTUAL FIRE INSURANCE COMPANY, 
WORCESTER. 

[Incorporated May 23, 1887. Commenced business Aug. 1, 18S7.] 

Norman B. Douglass, President. George R. Chase, Secretary. 

Office at Medfield. 

Summary <>i Assets Dec. 31, 1890. 



( last deposited in bank, . 
Premiums in course of collection (gross), 
Unpaid assessments on deposit notes, 
Gross assets, 



|5,331 


76 


52 


22 


882 


35 



1,266 33 



Liabilities. 

Losses claimed and reported, . 
disputed or resisted, 

Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Salaries, 

Gross liabilities, ..... 

Net cash assets, 



$146 13 
1,360 00 

3,508 35 

2 00 

234 97 



5,251 45 



$1,014 88 



Income. 

Cash premiums received during the year, 
Deduct return j)reniiurns, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received from assessments on deposit notes, . 

Gross cash income, .... 



|559 


03 


23 


45 


$535 


58 


85 


33 


3,396 


86 



b,017 77 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for incidental expenses, 

Gross cash expenditures, 



^2,285 


56 


41 


00 


1,055 


16 


38 


49 


4 


00 


30 


00 



$3,454 21 



64 



MASSACHUSETTS MUTUAL FIRE [Dec .31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 81, 1889, f 1,144,181 00 
Risks written during 1890, . 90,120 00 



Total, $1,23-4,301 00 

Risks terminated during 1890, . 89,757 00 



In force at end of j^ear, . . $1,14-4,544 00 

Losses incurred during the year, 
Assessments laid on deposit notes, . 



Cash Prom's. Deposit Notes. 

$7,066 88 $17,877 33 
575 35 1,726 05 



$7,642 23 §19,603 38 
625 54 1,876 62 



',016,69 $17,726 76 

$115 00 
4,218 41 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 

Charles A. IIowland, President. ' William H. Fay, Secretary. 



Amount of permanent fund, 



88 shares 


200 


i« 


370 


(i 


70 


it 


50 


M 


40 


(t 


35 


t< 


66 


11 


45 


It 


37 


11 


50 


(1 


46 


(( 


75 


it 


25 


(( 


100 


u 


229 


II 


44 


II 


50 


II 


64 


U 


48 


II 


77 


II 


10 


II 


50 


II 


29 


(C 



Detailed Statement of Stocks, 



Rockland National Bank, Boston, 
Manufacturers' Nafl Bank, Boston 
Third National Bank, Boston, 
Second National Bank, Boston, 
First National Bank, Boston, . 
Merchants 1 National Bank, Boston 
State National Bank, Boston, . 
Washington National Bank, Boston 
Blackstone National Bank, Boston 
Revere National Bank, Boston, 
Hamilton National Bank, Boston, 
( lontinental National Bank, Boston 
Redemption National Bank, Boston 
Market National Hank, Boston, 
North National Bank, Boston, 
Ait. Wollaston Nat'l Bank, Quincy 
Granite National Bank, Quincy, 
Wachusett Nat 1 ] Bank, Fitchburg 
Hingham Nat'] Bank, Hingham, 
Firsl Nat'] Bank, South Weymouth 
Union Nat'l Bank, South Weymouth 
Quinsigamond Nat'] Bank, Worc's'r 
Brockton National Bank, Brockton 
Plymouth National Bank, Plymouth 



Bonds, etc. 

Par Value. 

$8,800 00 
20,000 00 
37,000 00 
7,000 00 
5,000 00 
4,000 00 
3,500 00 
6,600 00 
4,500 00 
3,700 00 
5,000 00 
4,600 00 
7,500 00 
2,500 00 
10,000 00 
22,900 00 
4,400 00 
5,000 00 
4,480 00 
4,800 00 
7,700 00 
1,000 00 
5,000 00 
2,900 00 



$335,451 40 



Market Value 

f 13,200 00 

21,000 00 

44,030 00 

13,300 00 

12,250 00 

5,880 00 

4,305 00 

7,920 00 

4,950 00 

4,625 00 

6,000 00 

5,750 00 

10,1-25 00 

2,500 00 

13,700 00 

32,060 00 

5,720 00 

10,000 00 

l.snO 00 

6,000 00 

8,170 00 

l,li)o 00 

6,000 00 

3,335 00 



1890.] 



INSURANCE COMPANIES. 



65 



25 shares First National Bank, West Newton, 
Tin) " Chicago, Burlington &QuincyR.B 
279 " Boston & Lowell Railroad, 

11 " Old Colony Railroad, 
107 " Hingham Cordage Co., . 
178 " Lawrence Duck ( '<>.. 

Quincy Street Railway, . 
Bast Middlesex Street Railroad bonds, 



Par Value. 
$2,500 00 
10,000 00 
27,900 00 

1,100 00 

li>,700 00 

17,800 00 

800 00 

10,000 00 



Market Value. 

§2,500 00 
8,900 00 

47,430 00 
1,815 00 

10,700 00 

17,800 00 
800 00 

10,000 00 



$268,080 00 $34(3,965 00 



Securities held as collateral for cash loans: — 

Decatur City Water Co. bonds, 

260 shares X. E. Dressed Meat & Wool Co. . 

Warehouse Receipts 

Northern Pacific Railroad bonds, 

550 shares Thomson-Houston Elee. Light Co., 

100 " Kansas, Fort Scott & Memphis R R., 

70 " Standard Cordage Co., . 

■27 " Massawippi Valley RR, 
( lorporation note, ...... 

Loaned Mt. Wollaston National Bank, 



Market Value. 

$13,000 00 

37,500 00 

17,000 00 

33,200 00 

20,705 00^ 

6,300 00 ! 

7,700 00 j 

2,916 00 j 

4,000 00 

10,000 00 



Loaned Thereon. 

$10,000 00 

23,000 00 

15,000 00 
25,000 00 



\ 32,500 00 

4,000 00 
10,000 00 



$152,321 00 $119,500 00 

Summary of Assets Dec. 81, 1890. 

Cash value of unencumbered real estate, . . $15,000 00 

Loans on mortgage of real estate (first liens), 65,850 00 

Stocks, bonds, etc , as per schedule, . . . 346,965 00 

Loans on collateral security, as per schedule, . 119,500 00 

Cash in the office of the company, . . . 175 00 

Cash deposited in bank, 27,544 06 

Premiums in course of collection (gross), . . 9,834 26 

Interest clue and accrued, 6,105 94 

Rents due and accrued, 208 33 

Gross assets, -. $591,182 59 

Liabilities. 

Losses claimed and reported, .... $1,750 00 

Losses disputed or resisted, .... 2,500 00 

Unearned premiums on outstanding risks, . 230,721 60 
Return premiums on cancelled and terminated 

policies, 6,000 00 

Salaries and incidental expenses, . . . 1,310 00 

Gi oss liabilities, 242,28160 

Net cash assets, $348,900 99 



66 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from all other sources, 

Gross cash income, .... 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies. . 
for incidental expenses, 



Gross cash expenditures, . 



|125,102 47 

2,745 66 

23,189 24 

781 12 

317 84 

$152,136 33 



$59,351 86 

19,711 68 

10,637 98 

2,294 92 

58,593 02 

6,364 90 

§156,954 36 



Miscellaneous. 

Amount. Cash Trent's. Conting't Prem's. 

Risks outstanding Dee. 31,1889, $31,625,686 00 $460,854 61 $460,854 61 
Risks written during 1890, . 8,698,776 00 127,083 65 127,083 65 

Total, .... 
Risks terminated during 1890, 

In force at end of year, 



$40,324,462 00 $587,938 26 $587,938 26 
8,692,441 00 126,495 06 126,495 06 



11,632,021 00 $461,443 20 $461,443 20 



Losses incurred during the year, $50,226 86 

Percentage of profits or surplus returned during 1890, 20, 40, 60 per cent. 



RUBBER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

BOSTON. 

[Incorporated Nov. 4, 1884. Commenced business Jan. 15, 18S5.] 

E. S CONVERSE, President. B. F. Taft, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value, 

Fitohburg Railroad bonds, .... $5,000 00 $5,462 50 

Boston and Lowell Railroad bonds, . . . 10,000 00 10,283 33 

Maine Central Railroad bonds, . . . 1,000 00 4,370 00 

Ticonderoga Pulp and Paper Co. bonds, . . 5,000 00 5,133 33 



L890.] 



INSURANCE COMPANIES. 



67 



New York & \e\v England Railroad bonds, 

Metropolitan Railroad bonds, . 

Boston Consolidated street Railroad bonds, 

Middlesex Railroad bonds, 

Cambridge Street Railroad bonds, 

Cheshire Railroad bonds, . 

Maiden Electric Co. bonds, 

Columbus, Ohio, city bonds, 

200 shares Thomson-Houston Electric Co. 

Corporation notes, 



Par Value. 

$8,000 00 
1,000 00 

12,000 00 
1,000 00 
1,000 00 
4,000 00 
5,000 00 
5,000 00 
5,000 00 

62,677 49 



Market Value . 

$9,980 00 
1,110 00 

13,020 00 
1,110 00 
1,072 50 
4,530 00 
5,150 00 
5,075 00 
5,175 00 

62,677 49 



$128,677 49 $134,149 15 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, 
Premiums in course of collection (gross) 
Gross assets, .... 



31, 1890. 

$134,149 15 

913 20 

13,033 84 

4,463 67 



$152,559 86 



Liabilities. 

Losses claimed and reported, .... $ 200 00 

Unearned premiums on outstanding risks, . 56,434 39 

Taxes, 210 18 

Gross liabilities, 56,844 57 

Net cash assets, $95,715 29 

Income. 

Cash premiums received during the year, .... $108,405 11 
Deduct return premiums, 5,443 80 



Xet cash premiums received, . 
Received for interest from all sources, 



$102,961 31 
6,028 39 



Gross cash income, $108,989 70 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



$20,339 98 

5,500 00 

935 62 

44,534 43 

2,879 45 



Gross cash expenditures, . 



$74,189 48 



68 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. Cash Trem's. Conting't Prem's. 

Risks outstanding Dec. 81, 1889, |7,117,615 00 |75,160 87 $375,804 35 

Risks written during 1890, . 10,685,110 00 112,010 27 560,051 35 



Total $17,802,725 00 $ 187,17114 $935,85^70 

Risks terminated during 1890, . 8,001,368 00 74,302 36 371,511 80 



In force at end of year, 



. $9,801,357 00 $112,868 78 §564,343 90 



Losses incurred during the year, $20,387 93 

Percentage of profits or surplus returned during 1890, 60 per cent. 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 

Charles S. Nichols, President. Samuel A. Potter, Secretary. 

Amount of permanent fund, . . . • . • ■ • $52,580 66 



Detailed Statement of Stocks, 



20 shares Salem National Bank, 

14 " Asiatic National Bank, Salem, . 

5 " Exchange National Bank, Salem, 

15 " Salem Gas Light Company, 
7 " Boston & Maine Railroad, 

Cincinnati (111.) city bonds, 

Springfield city bonds, 

( leveland (Ohio) city bonds, . 

Chelsea city bonds, . 

St. Louis (Mo.) city bonds, 

Toledo (Ohio) city bonds, 

Kecne (N. II ) city bonds, 

Boston & Maine Railroad bonds, 

Fitchburg Railroad bonds, 



Bonds, etc. 

Par Value. 

$2,000 00 

420 00 

500 00 

1,500 00 

700 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 



Summary of Assets Dec. 31, 1890. 
Loans on mortgage of real estate (firsl liens), ^ 12,150 00 
stocks, bonds, etc , as per Bohedule, . 
( lash deposited in bank, .... 
Premiums in course of collection (gross), 

[nteresl due and accrued 

Gross assets, 



16,367 00 
2,168 00 

7-"> 7 47 
2,073 07 



Market Value. 

$2,600 00 
532 00 
600 00 
1,770 00 
1,000 00 
1,250 00 
1,300 00 
1,030 00 
1,000 00 
1,030 00 
1,050 00 
1,075 00 
1,060 00 
1,070 00 



$11,120 00 $16,367 00 



13,515 54 



1890.] 



IXSrUAXCE COMPANIES. 



69 



Li aihi. i riES. 

Unearned premiums on outstanding risks, 
Surplus due od terminated policies,. 
Commissions and brokerage, . 
Salaries and incidental expenses, 

Gross liabilities, 

Net cash assets 



§7,888 99 




479 14 




84 08 




496 71 






$8,948 92 




• • • 


§54,566 62 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



$4,690 


31 


65 


77 


$4,624 54 


2,079 


00 


982 


40 



7 ,685 94 



EXPENDITU 



Paid for losses during the year, 

for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, . 

for rent- 

for profits or surplus on terminated 
for incidental expenses, . 

Gross cash expenditures, . 



employees, 



KES. 



policies, . 



$1,627 


51 


358 71 


1,576 


00 


45 


23 


300 


00 


1,617 


73 


88 


46 



»,613 64 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $951,050 00 
Risks written during 1890, . 321,025 00 



Total, $1,272,075 00 

Risks terminated during 1890, . 258,650 00 



Cash Prem's. Conting't Prem's. 

,778 23 $14,778 23 
4,657 23 4,657 23 



$19,435 46 $19,435 46 
3,657 49 3,657 49 



In force at end of year, . . $1,013,425 00 $15,777 97 $15,777 97 



Losses incurred during the year, • $1,627 51 

Percentage of profits or surplus returned during 1890, 48| per cent. 
Average rate to date, 40 per cent.. 



70 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business June 13, 1855.] 

George F. Bagley, President. Charles L. Allen, Secretary. 

Summary of Assets Dec. 31, 1890. 
Cash in the office of the company, . . . $45 16 

Ca9h deposited in bank, 283 03 

Office safe, • . $100 00 

Gross assets, $328 19 

LlABILITJFS. 

Unearned premiums on outstanding risks, . $1,245 06 

Gross liabilities, 1,245 06 

Balance against the company, $916 87 

Income. 

Cash premiums received during the year, .... $249 02 

Deduct return premiums, . 49 67 

Net cash premiums received, $199 35 

Received from assessments on deposit notes, .... 10 40 

for rents, 5 60 

Gross cash income, $215 35 

Expenditures. 

Paid for losses during the year, $15 00 

for salaries and fees of officers and employees, . . 157 25 

for State and local taxes, 2 49 

for profits or surplus on terminated policies, . . . 19 33 

for incidental expenses, 51 62 

Gross cash expenditures, $245 69 

Miscellaneous. 

Amount. Cash Frem's. Deposit Notes. 

Risks outstanding Dec. 31, 1889, $303,545 00 $2,517 61 $25,176 10 

Risks written .luring 1890, . .'50,127 00 249 02 2,490 20 

Total, $333,672 00 $2,766 63 $27,666 30 

Risks terminated during L890, . 34,180 00 276 51 2,765 10 

In force al end of \car, . . $299,492 00 $2,490 12 $24,901 20 

Losses incurred during the year, $15 00 



1890.] 



INSURANCE COMPANIES. 



71 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, 

SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1862.] 

Harmon Hall, President. Wilbur F. Xkwiiall, Secretary. 

\ N'htf, — This company Insures nothing bnt dwellings, farm buildings and their contents, in 
Lynn, Baugns, Lynafleld, Bwampscott and Nahant. No cash premiums are taken; but assess- 
mentfl are made on deposit notes to pay losses and expenses. All policies are issued for a term 
of three years.] 

Summary of Assets Dec. 31, 1890. 



Cash in the office of the company, . 
Unpaid assessments on deposit notes-, 

Gross assets, 

Liabilities. 
Losses claimed and reported, .... 
Due for borrowed money, .... 
Gross liabilities, 

Income. 

Received from assessments on deposit notes, . 

for rents, 

for policy fees, 

Gross cash income, 

EXPENDITURES. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for interest on borrowed money, 
for State and local taxes, 
for rents, . 

for incidental expenses, 
for borrowed money, 



$383 99 
260 00 


$150 00 
1,000 00 



$643 99 



$1,150 00 



$3,698 20 

40 00 

613 00 



1,351 20 



Gross cash expenditures, 



Miscellaneous 



Risks outstanding; Dec. 31, 1889, 
Risks written during 1890, 

Total 

Risks terminated during 1890, . 

In force at end of year, 



$2,000 00 



$610 


40 


1,400 00 


151 


25 


35 


31 


175 


00 


148 


73 







$2,520 69 



Amount. Deposit Notes. 

•3,003,275 00 $370,148 00 
1,016,100 00 126,025 00 



$4,019,375 00 $496,173 00 
1,038,350 00 128,853 00 



$2,981,025 00 $367,320 00 



Losses incurred during the year y $760 40 

Assessments laid on deposit notes or contingent premiums, . 3,825 75 



72 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SHELBURNE MUTUAL FIRE ENSURANCE COMPANY, 

SHELBURNE. 

[Incorporated 1877. Commenced business July 4, 1877.] 

John s. Anderson, President. E. B. Alvord, Secretary. 

[Note. — Insures property in the town of Shelburne only.] 

Summary of Assets, Dec 31, 1890. 



(ash in the office of the company, . 

deposited in bank, 

( rross assets, 

Income. 
( lash premiums received during the year, 
Received from assessments on deposit notes, . 

Gross cash income, 

Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, 

Gross cash expenditures, . . 



$4 66 
24 25 



In force at end of year, 



$76,850 00 



$28 91 



$12 50 
515 50 

§528 00 



$514 50 
2 00 
8 21 

$524 74 



Miscellaneous. 








Amount. 


Cash Prem's. 


Deposit Notes. 


Risks outstanding Dec. 31, 1889, 


$83,150 00 


$513 43 


$5,134 30 


Risks written during 1890, 


2,000 00 


12 50 


125 00 


Total, .... 


$85,150 00 


$525 93 


$5,259 30 


Risks terminated during 1890, 


8,300 00 


56 87 


568 70 



$469 06 $4,690 60 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced business Aug. 1, 1829.] 

William P. Clark, President. George M. Foster, Secretary. 

Amount of permanent fund, $54,126 18 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Ill shares South Danvers Nat'] Bank, Peabody, $11,100 00 $14,874 00 

48 " Warren National Bank, Peabody, . 4,800 00 6,348 00 

61 " Asiatic National Bank, Salem, . 1,530 00 1,938 00 

2<) M Naumkeag National Bank, Salem,, 2,000 00 3,040 00 



1890.] 



INSURANCE COMPANIES. 



73 



18 shares National Exchange Bank, Salem, 
12 4k First National Bank, Salem, . 
S-i •• First National Bank, Danvers, 

Bide A Leather Nat"l Bank, Boston 
Andover National Bank, Andover, 
1 " Cape Ann Natl Rank. Gloucester, 
10 " Mannfacturers 1 Nat*l Bank, Boston 
10 " Nanmkeag Steam Cotton Co., 
Andr< - gin Mills, 
( ituinnati city bonds, .... 
B -ton and Maine Uailroad bonds, . 

rn Uailroad bonds 

lensbnrg and Lake Champlain R.R. bonds, 
Wakefield Water Company bonds, . 



fur Value. 

§1,8'" 
1.2' 

00 

3,000 00 

- 00 

100 00 

1,000 00 

1,000 00 

2,000 00 

3,000 00 

2,000 00 

2,000 00 

00 

00 



Market Value. 

|2,124 00 
1,6< 

•2 on 

00 00 

,0 00 

145 25 

1,047 50 

70 00 

50 00 

3,510 00 

60 00 

60 00 

90 00 

- '0 00 



§44,880 00 \753 75 



Summabt <>f Assets De< 31, 1890. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank 

Premiums in course of collection (gro— . 

Interest accrued 

Gn ss ssets 

Liabilities. 

Unearned premiums on outstanding ris 

Surplus due on terminated policies, 

Salaries, 

Gross liabilities, 

Net cash asset-. ..... 

Income. 
Cash premiums received .during the year, 
Deduct return prenriurns, .... 



,753 75 

I 00 
11.70" 76 
107 
42! 



$11341 
1 



Net cash premiums received, 

Received for interest from all sources, . 

for policy fees, 

Gross cash income, 

Expenditures. 
Paid for losses during; the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes 

for profits or surplus on terminated policies. . 
for incidental expenses, . 

Gross cash expenditures, 



- -.138 84 



12,749 30 



,389 54 



83,806 00 
•273 50 

83,532 50 

2,978 85 

119 00 

86,630 35 



|246 98 
1,267 00 

36 52 

3. 330 50 

71 92 

?4,952 92 



71 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 81, 1889, $1,090,387 00 

179,075 00 

§1,269,462 00 
169,075 00 



Risks written daring 1890. 

Total. .... 
Risks terminated during 1890, 

In force at end of year, 



Cash Prem's. Contttlgt Trim's. 

$23,527 17 |70,582 41 
3,80C 00 11,418 00 



s27,:l:;:5 17 
3,649 87 



.000 41 
10,949 61 



$1,100,387 00 $23,683 00 $71,050 80 



Losses incurred during the year, $246 98 

Percentage of profits or surplus returned during 1890, 100 per cent. 



TRADERS' AND MECHANICS' MUTUAL FIRE INSURANCE 

COMPANY, LOWELL. 

[Incorporated June, 1S48. Commenced business June, 1848.] 

Levi Spragce, President. Edward M. Tucke, Secretary. 



Amount of permanent fund Dec. 31, 1889, 
Increase during the year, 



. $386,652 85 
167 88 



Permanent fund Dec. 31, 1890, 



. $386,820 73 



Detailed Statement of Stocks, 



Connecticut & Passumpsic Railroad bonds, 
East Middlesex Street Railway " 

Boston United Gas Company " 

Swift & Company " 

20 shares Androscoggin Mills, 
2 ' 

50 ' 

100 ' 

5 ' 

8 ■ 

10 ' 

15 ■ 

30 ' 

30 

20 ' 

60 

25 ' 



Hamilton Manufacturing Company 
Lawrence Gas Company, . 
Lowell Gas Company, 
Lowell Manufacturing Company, 
Massachusetts Cotton Mills, . 
Merrimack Manufacturing Co., 
Middlesex Company, 
Tremonl & Suffolk Mills, 
Old Lowell National Bank, 
National Lank of North America, 
Connecticut River Railroad, . 
Vermont & Massachusetts R. R , 



Bonds, etc. 

Par Value. 

$1,000 00 

10,000 00 

10,000 00 

5,000 00 

2,000 00 

2,000 00 

5,000 00 

10,000 00 

3,450 00 

3,000 00 

10,000 00 

1,500 00 

3,000 00 

3,000 00 

2,noo 00 

5,000 00 

2,5oo 00 



Market Value. 

$1,000 00 

10,500 00 
8,800 00 
5,000 00 
2,900 00 
2,000 00 
7,000 00 

21,500 00 
3,000 00 
3,075 00 

12,750 00 
1,950 00 
."..DOO 00 
3,750 00 
2,510 00 

10.750 00 
3,375 00 



|78,450 00 $106,790 00 



18! 



[JRAXCE COMPANIES. 






il for cash loan? : — 



res E ... 

6 •' < ilroad, 

8 V< i m nl > B EL, 

" Dwight Manufacturing i»any 

'i 

1 •• Appleton Com] 

2 \. r II M _ mpany, 
1 " Ai iv, 

v Main. Railroad, 
W • -tern Tru^t & Savings linn 

opany, 
American Investment < <• . X. II . 
Ao ericas Boll Company, Lowell, 
80 A: Dri 

mpany. 
Dl & M 

. 
LexiiiL'i^'ii v ..... 

ilroad, . 



3Itrket Va'oe 

$24- 

00 

. _ 

00 

00 

<) 00 

00 
) 00 

00 
<) 00 

$104371 00 



Laaaed - " ew «. 



Si HMABT ok Assets Dec. 31, 18 
Loans on m _ s of real estate (first li> " " 00 

00 

n - ' 

141. 

20*337 37 
771 

11. 11 



Stocks, bonds -chedul 

- n collateral securi: 

on ; a ... 

"i in the office of the company, . 

<1 in bank, .... 
Premiums in coarse of collection (gross . 
Interest due and accrue ... 

. 

Liabilities 

s claimed and reported, . 
L'nearned premiums on outstanding ris 
Commissions and or _ . . 

Gross liability .... 



$2,809 o8 
I 788 U 






. 00 
i 00 

) 00 
12,724 70 

) 00 

- 00 

) 00 

00 

00 

00 



}7'2 - ~ 



. 



Net cash assets 

Income. 
Cash premium- 1 during the year, 
Deduct return premiums 



- 57,492 '.' 



Xet cash premiums r red, . 
ived for interest on mortg \ 

for interest fr«_>m all other sources, 

ss ash income, .... 



4,187 ' 

\\\ ■:: 54 

12,41 8a 
16,808 34: 



- : _ : \ 



76 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year, .... 
for brokerage ami commissioi 
for salaries and foes of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, ..... 



$52,969 17 

19,785 55 

10,G50 00 

1,640 09 

1,335 00 

54,8*7 43 

4,813 12 



$146,080 36 



Miscellaneous. 

A^nount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1889, $28,396,749 00 $ 425,468 38 $425,468 38 

Risks written during 1890, . 9,054,281 00 138,224 78 138,224 78 



Total, $37,451,030 00 8563,693 16 $563,693 16 

Risks terminated during 1890, . 6,783,005 00 102,115 66 102,115 66 



In force at end of year, 



.$30,668,025 00 $461,577 50 $161,577 50 



Losses incurred during the year, $55,778 75 

Percentage of profits or surplus, returned during 1890, 30, 50 and 70 per 
cent. 



WESTFORD*MUTUAL FIRE INSURANCE COMPANY, WESTFORD. 

[Incorporated March 10, 1840. Commenced business July, 1840.] 

Allan Cameron, President. J. Henry Read, Secretary. 



Amount of permanent fund, 

Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens), $2,050 00 

Loans on personal security, .... 238 00 

Cash in the office of the company, ... 94 18 

Cash deposited in hank, 4,416 77 

Interest due and accrued, 378 08 

Gross assets, 



Liabilities 

es adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 

Net cash assets 



$890 00 
1,110 23 



$4,692 87 



$7,177 03 



2,000 23 
§5,176 80 



1890.] 



INSURANCE COMPANIES. 



77 



Income. 

Cash premiums received daring the year, 
Deduct return premiums, 

Net cash premiums received 

Received for interest on mortgages, . 
Received for interest from all other sources, . 

Gross casb income, 

Expenditures. 

Paid for salaries and fees of officers and employees, 
for Slate and local taxes, ..... 
for incidental expenses, 

Gross cash expenditures, . . . 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1889, $356,760 00 
Risks written during 1890, . 69,025 00 



$555 63 
1 75 



Total, $425,785 00 

Risks terminated during 1890, . 83,775 00 



In force at end of year, . . $ 342,010 00 
Losses incurred during the year, 



$553 


88 


203 


08 


175 


00 


$931 96 


$35 00 


6 


21 


10 


46 



Cash Prcm's. 

$2,815 31 
555 63 



$51 67 



Conting't Prom's. 

$8,445 93 
1,666 89 



$3,370 94 
549 18 

$2,821 76 



110,112 82 
1,647 54 

$8,465 28 
$890 00 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated February, 1828. Commenced business April, 1828.] 

William Merrill, President. Henry T. Bailey, Secretary. 

TXote. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 



Summary of Assets Dec. 31, 1890. 
Cash deposited in the bank, .... $990 21 

Office furniture, . . . . $100 00 

Gross assets, 



$990 21 



Liabilities. 



Due for borrowed money, 
Rents and salaries, . 
Gross liabilities, . 



$2,297 50 
150 00 



$2,447 50 



78 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



[ncome. 

Received from assessments on deposit notes, . 
from policy fees, 

Gross casli income, 

Expenditures. 

raid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees 

for interest on borrowed money, 

for State and local taxes, . 

for rents, 

for incidental expenses, . 



Gross cash expenditures, 



Miscellaneous. 



Risks outstanding Dec. 31, 1889, 
Risks written during 1890, 



Total, 

Risks terminated during 1890, . 

In force at end of year, 

Losses incurred during the year, 
Assessments laid on deposit notes, 



Amount. 

#,825,713 00 

338,497 00 

13,164,210 00 
356,857 00 



$3,240 89 
187 50 



53,428 39 



£2,590 


74 


58 02 


285 


00 


37 


50 


21 


90 


15 00 


425 


23 



5,433 3? 



Deposit Notes. 

^155,974 41 
18,617 33 



74,591 74 
19,627 13 



$2,807,353 00 $154,964 61 

$2,590 74 
4,645 94 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced busineBS March 31, 1855.] 



Geokge M. Rice, President. 



Samuel R. Barton, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Boston & Albany Railroad bonds, . . . $26,000 00 $26,585 00 

Fitchburg Railroad bonds, .... 30,000 00 31,500 00 

Old Colony Railroad bonds, . ." . 25,000 00 26,875 00 

Providence & Worcester RaiIYoad bonds, . 1:5,000 00 14,170 00 

Chicago, Burlington & Quincy RR. bonds, . 25,000 00 21,750 00 

Chicago & Eastern Illinois Railroad bonds, . 15,000 00 17,250 00 

Worcester city bonds, ..... 10,000 00 10,200 00 

Worcester ( lonsolidated Street R R. bonds; . 14,000 00 14,700 00 

60 Bhares City National Bank, Worcester, . 6,000 00 8,700 00 

Corporation notes, "..".,000 00 55,000 00 



$219,000 00 $226,730 00 






>URAXCE MPANEES. 









SumiART 01 Assets Dec 31, 1890. 

hedule, 
- i in th> f the company. . 

•ed in bank 



LlAlilLITi: 



I, . 
trned premiums on outstandic _ 



n liabilities, .... 

Income. 

b premiums received during the year, 
Deduct return premiums, 

Net cash premiums receive 

Received for interest from all sour s, 

income 

Expenditures 

daring the year, 
for a s of officers and empl 

for inspection - ... 

for State and local 
for ren* .... 

for profits or surplus on terminated poli 
for incidental e . 



A?h expenditur 



• .- ,7 00 




. 8 




14.4-22 54 






$241,182 ' 




811 




00 




" ■- - 11 




- 52 






J 41 




. 


|1 V-J 96 






. 








lcies. 



~- ". 83 54 

- 



• 86 
".- I - 

2,04. : 

1 - 

17" 1 
2,244 31 

|220,463 7C 



MlSCELXAKE OS 

A ~ : Cash Prem's. Conting't Pr 

itstandingi 3 00 |2 ,409 51 $999,782 00 

itten during 1*90, 24.7 7: 215,368 -1 1,0763*4 5 



nl, |47,184«58( 

Risks terminated during" 1890, i ._ I ; 



• . 5 32 $2 76,626 OS 
208i . i l( 1,035, L 10 



In force at end of vear, 



.$23,966,417 00 |210,47C 22 £1,041,534 : 



Loss incurred during the year, -_ 1 _" 

Percentage of profits or surplus returned during 1890, 88^ per cent. 
e to date, Q9^^ & per cent. 






MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated Feb. 11, 1823. Commenced business May 1, 1824.] 

John A. F a yek weather, President. Roger F. Upham, Sccretartj. 



Amount of permanent fund Dec. 31, 1889, 
Increase during the year, .... 

Permanent fund Dec. 31, 1890,. 



$367,457 96 
1,135 54 

S593 50 



Detailed Statement of Stocks, Bonds, etc. 



170 shares Worcester National Bank, 

200 " City National Bank, 
50 " Citizens 1 National Bank, . 
22 " Central National Bank, . 
57 " Mechanics 1 National Bank, 
45 " Quinsigamond National Bank 
40 " Fitchburg National Bank, 
15 " Blackstone National Bank, 
20 " Oxford National Bank, . 
15 " Southbridge National Bank, 
20 " "NVestborough National Bank, 
25 " Wachuset National Bank, 

Union Pacific Railroad bonds, . 

Boston, Barre and Gardner Railroad bonds, 

Fitchburg Railroad bonds, 

Worcester Consolidated Street Railway bonds, 

Atchison, Topeka and Santa Fe RR. bonds, 



Par Value. 

$17,000 00 
20,000 00 
5,000 00 
2,200 00 
5,700 00 
4,500 00 
4,000 00 
1,500 00 
2,000 00 
1,500 00 
2,000 00 
2,500 00 
5,000 00 
12,000 00 
25,000 00 
5,000 00 
5,800 00 



Market Value. 

$25,500 00 

28,500 00 
6,250 00 
3,190 00 
6,555 00 
5,625 00 
6,000 00 
1,770 00 
2,200 00 
1,875 00 
2,000 00 
5,000 00 
5,650 00 
12,240 00 
25,500 00 
5,250 00 
4,049 75 



$120,700 00 $147,154 75 



Securities held as collateral for cash loans: — 



Savings bank book, 

60 shares Howard Brother's Mhnufact'g Co. 
l.") " Worcester Gas Light Company, 
in " Fourth National Bank, New York, 
50 " Worcester Corset Company, 
42 " Richardson Manufacturing Co., 



Market Value. Loaned Tliereon. 



?1,<)21 95 
6,000 00 
2,250 00 

1,700 (in 
A.ood no 
!.-J<K) 00 



$600 00 
5,060 00 
1,500 00 
1,000 00 

3,520 00 
3,750 00 



$20,171 95 $15,370 00 



'<).] 



[NSURANCE COMPANIES. 



81 



km \xt '.. 1890. 

1 - ue of unencumbered real estate, . . 180,000 00 

a n mort:_- _ real estate (first liens), 336,987 00 

B8 per schedule, . . . 147 

Loans on collateral security, as per schedule, . 15,370 00 

Loans on personal security 26,780 00 

I a in office of company an sited in bank, _ 41 

Premiums in course of collection ( i: sa . . 11,315 24 

Interest and rents due and accrued, . . . ~ - 4 47 

Gr 38 ass 



K 



Liabilities. 

si '. unpaid, .... 
sees claimed and reported, . 
Unearned premiums on outstanding risks, 
;rn premiums on cancelled policies, . 
Surplus due on terminated policies 
Com: se - and brokerag* . . 

Gross liabilitu .... 

^set cash asset-. .... 



$1,500 00 

. X) 00 

258, 82 89 

M 88 

6,693 58 
-5 87 



>8 22 



$373,135 65 



Income. 

Cash premiums received during the year, .... $109,099 03 

Deduct return premium- 3,81" 

Net cash premiums $105,280 94 

Received for interest from all sources, 26,911 14 

for rents 196 95 

from all other sources, 2,488 00 

Gross cash income, $141,27" 



Expenditures. 



Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for protective department, .... 
for State and local taxes, ,. 
for profits or surplus on terminated policies 
for incidental expenses, 



137,971 37 

11,780 03 

10,489 04 

462 75 

2 24 27 
61,330 91 

5,903 13 



Gross cash expenditures 1130,561 50 



82 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Amount. Cash Trem's. Conting't Prem's. 

Risks outstanding Dec. 81, 1889, 134,526,855 00 $, 509,378 22 $509,378 22 
Risks written during 1890, . 7,591,242 00 107,930 89 107,930 89 



Total, $42,118,097 00 $617,309 11 $617,309 11 

Risks terminated during 1890, . 6,913,268 00 99,943 33 99,943 33 



In force at end of year, . .$35,204,829 00 $517,365 78 $517,365 78 

Losses incurred during the year, $ 34,937 05 

Percentage of profits or surplus returned during 1890, 50, 70 per cent. 



10.] 



INSURANCE COMPANIES, 



83 



AGGREGATE. 



Guaranty capital, 
Gross present assets, 
Gross present liabilities, 



Assets. 
Liabilities. 



Income. 
Cash received for premiums during the year, 
for interest and dividends, 
for assessment on deposit notes, 

for rents, 

from all other sources, 



Gross cash income, 



Expenditures. 

Cash paid for losses, 

for brokerage and commission on premiums, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, 

for rents, ..... 

for return of profits or surplus, 

for dividends on guaranty capital, 

for all other expenditures, 

Total expenditures, .... 



General Items. 
Risks written during the year, . 
terminated during the year, . 
outstanding at end of year, . 
Amount of contingent premiums received thereon, 
of losses incurred during the year, . 
of permanent fund, 



$300,000 
$9,611,548 
$4,164,522 



$3,855,987 

427,183 

12,657 

20,879 

6,912 

$4,323,618 



$951,078 

211,504 

239,409 

587 

45,186 

17,040 

2,323,186 

21,000 

137,119 

$3,946,109 



$390,354,897 

348,972,532 

675,868,174 

19,085,722 

942,638 

4,050,634 



MASSACHUSETTS 

MUTUAL MARINE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1890. 






MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 

Edmund A. Poole, President. « Wm. H. Lord, Secretary. 



Office, No. 50 State Street. 



Detailed Statement of Stocks 



100 shares Atlas National Bank, 

300 " Columbian National Bank, . 

100 " Continental National Bank, . 

100 " Commerce National Bank, 

200 " Hide and Leather National Bank, 

100 " New England National Bank, 

100 " North National Bank, . 

200 " Republic National Bank, 

50 " Old Boston National Bank, 
200 " Second National Bank, . 
200 " Tremont National Bank, 
300 " Washington National Bank, 
200 " Boston & Lowell Railroad, 

50 " Boston & Providence Railroad, 
Boston & Albany Railroad subscriptions, 
Eastern Railroad bonds, .... 
Brookline water loan, .... 
Insurance scrip, 



Securities held as collateral for cash loans : 

Corporal ion notes, 

Personal loans, 

Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
( lash in the Office Of the company, . 



and Bonds, 

Par Value. 

$10,000 00 

30,000 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

20,000 00 

5,000 00 

20,000 00 

20,000 00 

30,000 00 

20,000 00 

5,000 00 

5,630 00 

10,000 00 

10,000 00 

615 00 



Market Value. 

112,125 00 
33,600 00 
12,700 00 
13,750 00 
26,000 00 
17,025 00 
13,750 00 
32,600 00 

6,000 00 
38,600 00 
22,850 00 
36,300 00 
35,300 00 
12,500 00 

7,600 00 

12,300 00 

12,500 00 

470 00 



$246,245 00 $345,970 00 

Market Value. Loaned Thereon. 

I $7,500 00 $7,500 00 

81, 1890. 

$8,700 00 
345,970 00 

7,500 00 
2,219 48 



1890.] 



INSURANCE COMPANIES. 



87 



Cash deposited in bank, .... 
[nteresl due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance due 

Salvages due 

Gross assets, ..'... 

Liabilities. 

Losses claimed and reported (net), . 
Unearned premiums <>n outstanding risks, 
Unpaid scrip ordered to be redeemed, 
[nterest due or accrued on scrip, 
Due and accrued for rent, . 
Commissions and brokerage, . 
Gross liabilities, except scrip, 

Surplus as regards policy-holder-. 

Scrip outstanding, not ordered to be redeemed, 

Impairment of scrip reserve, 

Income. 

Marine premiums outstanding Dec. 81, 1889, . 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, .... 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest and dividends received from all sources, 
Income from sale of stocks, .... 



$17,286 40 

1,500 00 

43,564 12 

79,127 95 

3,500 00 

7,500 00 



$55,000 00 

108,953 86 

60 00 

626 00 

500 00 

1,500 00 



|228,379 06 

26,365 39 



$202,013 67 
438,554 34 



$640,568 01 
127,692 97 



$512,875 94 
111,479 68 



$516,867 95 



166,639 86 

$350,228 09 
506,760 00 

$156,531 91 



$401,396 26 
15,581 35 
31,479 38 



Gross cash income, 

Expenditures. 

Cash paid for marine and inland losses, , 

Deduct salvage and re-insurance, 

Xet cash paid for marine and inland losses, . 

Cash paid for interest on scrip, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 



$448,456 99 



$397,132 60 
65,856 67 



$331,275 93 
30,096 60 
24,062 67 
21,008 33 
5,774 26 
16,260 98 



Cross cash expenditures, 



$428,478 77 



88 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 

Risks and Premiums. 

Premiums. 

Marino risks outstanding: Dec. 31, 1889, . . $8,904,340 00 $224,752 25 
Marine risks written during 1890, . . . 35,142,865 00 438,554 34 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



.$44,107,205 00 $663,300 59 
. :;r.,226,094 00 439,944 79 



. $7,881,111 00 $223,361 80 
. 1,576,223 00 47,932 68 



. $6,304,888 00 $175,429 12 



Miscellaneous. 
Premiums received from organization of company, . $14,859,408 00 

Losses paid from organization of company, .... 10,349,67700 
Marine and inland losses incurred during the year, . . 365,596 00 

Cash dividends declared from organization of company, . 3,279,076 00 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 2, 1867. J 

Guaranty Fund Taid up in Notes, $47,500. 

John H. Dane, President. H. B. Alden, Secretary. 

Office, No 13 Congress Street. 



Detailed Statement of Stocks 



Old Colony Railroad bonds, 

Fitch burg Railroad bonds, 

Nashua and Rochester Railroad bonds, 

Boston and Albany Railroad bonds, . 

Boston and Maine Railroad bonds, . 

New York and New England Railroad bonds, 

Metropolitan Railroad bonds, . 

Boston and Lowell Railroad bonds, . 

< 'misolidated Railroad of Vermont bonds, 

Chicago, Burlington and Quincy R.R. bonds, 

150 shares Old Colony Kailroad, 

75 ■ 

60 ' 
100 ' 

30 ' 

40 ■ 

50 ' 

10 ' 

60 ' 

15 ' 

10 ' 



Boston and Providence Railroad, 
Boston and Maine Railroad, . 
Wesl End Railroad, 
Boston and Albany Railroad, . 
Chicago, Burling'n and Quincy 1MJ , 
New York and New England R R , 
Southern Oregon Company, . 
National Webster Bank, . 
Hamilton National Bank, 
Everett National Bank, . 



and Bonos. 

Par Value. 

$15,000 00 
23,000 00 
15,000 00 
2,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
10,000 00 
1,000 00 
15,000 00 
7,500 00 
6,000 00 
5,000 00 
3,000 00 
4,000 00 
5,000 00 
1,000 00 
6,000 00 
1,500 00 
1,000 00 



Market Value. 

$16,250 00 

25,300 00 

15,300 00 

2,100 00 

5,500 00 

6,100 00 

5,400 00 

5,500 00 

8,500 00 

1,020 00 

24,900 00 

18,750 00 

12,000 00 

8,500 00 

5,850 00 

3,600 00 

5,500 00 

843 00 

6,000 00 

1,890 00 

1,050 00 



$141,000 00 $179,853 00 



1890.] 



INSURANCE COMPANIES. 



89 



Summary of Assets Dec. 31, 1890. 



$179,853 00 

995 61 

9,880 27 

51,134 85 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Notes taken for marine and inland risks, 
Subscription notes on time, not exceeding 

twelve months, not yet due, .... 47,500 00 
Company's own scrip, . . .$1,027 00 

Gross assets, ... ... 

Liabilities. 

Losses claimed and reported, .... $14,750 00 

Losse> disputed or resisted, .... 4,000 00 

Unearned premiums on outstanding risks, . 49,808 61 

Interest due or accrued on scrip, . . . 208 10 
Gross liabilities, except guaranty fund 

and scrip, 

Surplus as regards policy-holders, 

Guaranty fund, $17,500 00 

Scrip outstanding, not ordered to be redeemed, 156,272 00 

Surplus over guaranty fund and scrip, .... 

Income. 
Marine premiums outstanding Dec. 31, 1889, . $58,364 38 
Same not collected, 2,224 29 

Net collected, $56,140 09 

Premiums on risks written or renewed, . . 131,908 30 

Total, $188,048 39 

Premiums now in course of collection, . . 51,134 85 

Entire premiums collected, .... $136,913 54 
Less reinsurance and return premiums, . . 10,325 21 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Gross cash income, 

Expenditures. 
Cash paid for marine and inland losses, . . $106,441 51 
Deduct salvage and reinsurance, . . ' . 4,452 85 

Net cash paid for marine and inland losses, . 

Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, . • 

for salaries of officers and employees, 

for State and local taxes, 

for rent, . .... 

for incidentals, . ... 

Gross cash expenditures, .... 



$289,363 73 



68,766 71 

$220,597 02 

203,772 00 

$16,825 02 



$126,588 33 
8,094 30 

$134,682 63 



$101,988 66 
4,576 92 
8,488 29 
9,300 00 
1,454 08 
2,750 00 
3,192 82 

$131,750 77 



90 



MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$1,660,576 00 
5,791,851 00 



Premiums. 

$87,283 90 
130,120 24 



>7,452,427 00 $217,404 14 
5,945,696 00 135,580 28 



,506,731 00 
77,500 00 



|81,823 86 
2,015 25 



$1,429,231 00 $79,808 61 



Miscellaneous. 

Premiums received from organization of company, . . $3,160,915 00 
Losses paid from organization of company, .... 2,174,009 00 
Marine and inland losses incurred during the year, . . 97,239 00 



1890.] 



INSURANCE COMPANIES. 



91 



AGGREGATE. 



Whole amount of guaranty fund, in subscription notes, 
Whole amount of outstanding scrip not cancelled, 



Gross present assets, 



Assets. 



Liabilities. 
Gross present liabilities, 

Income. 
Cash received during the year for marine premiums, . 
for interest and dividends, 
from all other sources, .... 

Gross cash income, 

Expenditures 
Cash paid during the year for marine losses, . 

for brokerage and commissions on premiums, 
for salaries of officers and employees, . 
for State and local taxes, .... 
for interest paid scrip holders during year, . 
for incidental expenses, 

Gross cash expenditures, 



General Items. 
Marine risks written during the }*ear, 
Premiums charged or receivable thereon, 
Marine risks terminated during the year, 
Marine risks outstanding at end of 3'ear, 
Marine losses incurred during the year, . 



$47,500 
663,032 



$806,232 
$235,407 



$527,984 
23,675 
31,481 

$583,140 



$433,265 
32,551 
30,308 
7,228 
34,674 
22,204 

$560,230 



$40,934,716 

568,674 

42,171,790 

7,734,119 

462,835 



MASSACHUSETTS 
JOINT-STOCK FIRE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1890. 



U MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.] 
Paid-up Capital, $300,000. 

Francis Peabody, President. J. W. Field, Secretary. 

Office No. 47 Kilby Street. 



Detailed Statement of Stocks and Bonds. 



222 shares Old Boston National Bank, 
200 " Columbian National Bank, 

45 " National Eagle Bank, 
170 " Globe National Bank, 
142 " Hamilton National Bank, 

62 " New England National Bank, 
100 " Suffolk National Bank, . 
152 " State National Bank, 
280 " National Union Bank, . 
100 " Merchants 1 National Bank, 

56 " Tremont National Bank, 

69 " Washington National Bank, 
462 " Boston & Albany Railroad, 

13 " Boston & Lowell Railroad, 
200 " Old Colony Railroad, 

8 " Merrimack Manufacturing Co., 
Chicago, Burlington & Quincy R.R. bonds, 
Eastern Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Cinn., End., St. Louis & Chicago R.R. bonds, 
Boston & Albany Railroad rights, . 



Securities held as collateral for cash loans: — 

Kansas City, St. do. & Coun. Bluffs U.K. bonds, 

2oo shares Esses Building Company, 

100 shares Calumel & Becla Mining Company, 



Par Value. 

$ 22,200 00 
20,000 00 

4,500 00 
17,000 00 
14,200 00 

6,200 00 
10,000 00 
15,200 00 
28,000 00 
10,000 00 

5,600 00 

6,900 00 
46,200 00 

6,500 00 
20,000 00 

8,000 00 
50,000 00 
20,000 00 
25,000 00 
40,000 00 



Market Value 

$26,695 50 
22,400 00 

4,792 50 
17,000 00 
17,040 00 
10,540 00 
11,050 00 
19,152 00 
39,760 00 
15,025 00 

6,398 00 

8,349 00 
89,628 00 
11,472 50 
33,200 00 

9,800 00 
44,000 00 
23,788 20 
27,625 00 
38,000 00 

8,758 00 



$375,500 00 $484,473 70 



Market Value. Loaned Thereon. 



$6,000 00 
20,000 00 
24,900 00 



$3,306 25 
15,000 00 
20,000 00 



$50,900 00 $38,306 25 



L890.] AND FIRE-MARINE INSURANCE COS. 



95 



Summary of Assets Dec. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 
( lash deposited in bank, ..... 

Interest due and accrued, 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Due for extra premiums, 

Premiums more than 8 months due, . $1,655 09 
Gross assets, 



31, 1890. 

$484,473 70 

38,306 25 

1,970 56 

24,577 58 

3,986 60 

39,456 03 

14,988 29 

159 09 



$607,918 10 



Li ABILITIES, 



Losses adjusted, unpaid, . 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

dross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



,791 24 

1,555 44 

$29,235 80 
176,060 98 
315 00 
2,200 00 
9,919 96 
3,548 78 
4,107 89 



225,388 41 

$382,529 69 
300,000 00 



Surplus over capital, $82,529 69 



Income. 
Fire premiums outstanding Dec. 31, 1889, 
Same not collected, ..... 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 



$34,924 98 
1,499 54 



$33,425 
286,987 


44 
52 


$320,412 96 
39,611 58 


$280,801 
54,138 


38 

70 


$18,348 67 
1,315 44 


$17,033 23 
20,494 05 


$37,527 
13,672 


28 
85 


$23,854 
2,813 


43 
96 



$226,662 68 



21,040 47 



96 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest and dividends received from all sources, . 

Income from additional premiums, 

Gross casli income, 

Expenditures. 

(ash paid for fire losses, $153,157 85 

Deduct salvage and re-insurance, . . . 12,379 20 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $27,524 35 
Deduct salvage and re-insurance, . . . 543 68 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for rent and incidentals, 

Gross cash ex])enditures, 



1,674 53 

14,060 52 

$285,438 20 



$140,778 65 



26,080 67 
8,763 00 

50,953 87 

24,433 75 
6,316 96 

20,042 42 

$278,269 32 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

[Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, .... 



.$27,528,646 00 
. 25,355,980 00 

. $52,884,626 00 
. 21,725,529 00 

.$31,159,097 00 
. 3,111,056 00 



Premiums. 

|3 14,800 05 
286,987 52 

$601,787 57 
244,663 12 

$357,124 45 
36,567 35 



. $28,048,041 00 $320,557 10 



$1,571,430 00 
586,761 00 

$2,158,191 00 
1,228,576 00 

$929,615 00 
12,000 00 



$32,978 23 
20,494 05 

$53,472 28 
31,341 31 

$22,130 97 
535 00 



$917,615 00 $21,595 97 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, . 



$10,141,674 00 

. 7,095,833 00 

149,287 00 

23,440 00 

, 2,736,000 00 

9,000 00 

11,600 00 



L] AND FIRE-MARINE INSURANCE DOS. 97 

BOSTON MARINE INSURANCE COMPANY. BOSTON. 

[Incorporated Pee. I 187 Commenced business Jan. 20, 1874.] 

Paid-up Capital, $1,000,000. 

EiAXSOU B. Fcllek, P- Thomas II I. 'an/. 



Detailed Statement of S Bokdc 

Par Value. Market Value. 

m city bonds * 

Bangor city bonds 00 

Boston A Albany Railroad bonds, ... - 

Or. _ - >rt Line Railroad I . 00 00 10,200 00 

Ch: _ Burlington ft Quinej Railroad bon. KX) 00 16,360 00 

Louisville, Evans ft St ELailroadboi -00 00 - .0 00 

Atchison, Topeta ft - ta V- Railroad boi 100,000 00 

Fitchbnrg Railroad boi .... 

Wis© sin Central Railroad bonds, . . . •_ .000 00 

Union Pacific, Lincoln ft Colorado R.R. boi XX) 00 21. 

Toll S . ois ft K Losaa R.R. bond- . 2 /KX) 00 

Atchison. Topeka ft Santa Fe R.R . 00 14*500 00 

Chicago. Burlington ft (juincj R.R. stock, 700 00 

Iron Railroad stock "00 14.-" 

Union Pacific Railroad stock 00 

Boston ft Albany Railroad stock, ... 

Boston ft Lowell Railroad stock, ... .000 00 17,600 00 

Oregon Short Line Railroad stock, ... -00 00 ) 00 

Fitchbnrg Railroad stock, 2 . 000 00 17.200 00 

Toledo, St. Louis & Kansas City R R. stock, . 53,000 00 13,250 00 

Manchester Mills stock, 2 .«XX) 00 30,200 00 

Atlantic National Bank stock, .... .000 00 13.900 00 

Atlas National Bank stock. .... 10,000 00 12.125 00 

Beverly National Bank stock, .... 12,60000 17. i 

Brookline National Bank stock, ... 1 .000 00 14,100 00 

Columbian National Bank stock, . . . 12,000 00 13,44a 

Commercial National Bank stock, ... 00 .100 00 

Eagle National Bank stock, .... 000 00 10,600 00 

Eliot National Bank stock, .... 25,000 00 33,500 00 

Exchange National Bank stock, ... 1 .000 00 13,375 00 

First National Bank stock, .... 10,00000 25,312 

First National Bank, Salem, stock, . . . .000 00 2,660 00 

Globe National Bank stock, .... 15,000 00 15,000 00 

Grand National Bank, Marblehead, stock, . 1.700 00 2 40 00 

Hamilton National Bank stock, . . . 10.000 00 12,000 00 

Hide and Leather National Bank stock, . . 11,000 00 14,300 00 

Howard National Bank stock, . . . . 10,000 00 11,000 00 



!»N 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Lincoln National Bank stock, . 
.Mercantile National Hank, Salem, stock, 
Merchants 1 National Hank stock, 
Merchants' National Bank, Salem, stock, 
Naumkeag National Hank. Salem, stock, 
New England National Hank stock, 
North National Hank stock, 
Old Boston National Hank stock, 
Railroad National Hank, Lowell, stock, 
Republic National Hank stock, 
Revere National Hank stock, . 
Second National Hank stock, . 
State National Bank stock, 
Suffolk National Hank stock, . 
Tremont National Bank stock, 
Winthrop National Bank stock, 



Securities held as collateral for cash loans : — 



300 shares Toledo, St. Louis & Kans. City R.R., 
60 " San Diego Land & Town Co , 

170 " Iron Railway Co., . 

Toledo, St Louis & Kansas City R.R bonds, 

800 shares Cobb Lime Co., 
50 " Commercial National Bank, . 

Toledo, St. Louis & Kansas City R.R. bonds, 
20 shares N. Y. & N. E. Railroad, . 

Burlington & Missouri Valley R R. bonds, 

Mexican Central R.R. bonds, . 

Providence city bonds, .... 
67 shares Freeman's National Bank, 
10 " Tremont National Bank, 



Tar Value. 

$10,000 00 

7,800 00 

10,200 00 

. 5,000 00 

10,000 00 

15,000 00 

5,300 00 

10,000 00 

5,000 00 

15,000 00 

20,000 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

15,000 00 



.Mark ot Value 

f 11,725 00 

9,711 00 
15,147 00 

6,575 00 
14,625 00 
25,537 50 

7,287 50 
12,000 00 

6,587 50 
24,450 00 
25,600 00 
19,300 00 
24,750 00 
11,025 00 
11,425 00 
17,137 50 



$992,100 00 $989,000 00 



Market Value. 

$6,600 00 

960 00 

8,500 00 

33,300 00 

60,000 00 

5,000 00 

4,500 00 

2,180 00 

5,472 00 

3,512 50 

5,825 00 

7,169 00 

1,142 50 



1 



Loaned Thereon. 

$13,000 00 

25,000 00 

25,000 00 

4,500 00 

4,000 00 

1,900 00 

7,500 00 

5,000 00 

7,000 00 



f 144,161 00 $92,900 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loan- on mortgage of real estate (first liens) 
[nteresl due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loan- on collateral security, as per schedule, 
( lash deposited in bank, .... 
[nteresl due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

( i-rosa assets, ..... 



31, 1890. 

$28,940 78 

512,800 00 

2,992 03 

989,000 00 

92,900 00 

310,792 51 

2,810 27 

151,002 29 

572,223 36 



$2,666,461 24 



1890.] AND FIRE-MARINE INSURANCE COS. 99 

Liabilities. 

Losses adjusted and reported, .... $171,27200 

Losses claimed and reported, .... 12,70000 

Unearned premiums on outstanding risks, . 430,566 38 

Gross liabilities, except capital, . . $614,538 38 

Surplus as regards policy-holders, $2,051,922 86 

Paid-up capital, 1,000,000 00 



Surplus over capital, $1,051,922 86 

Income. 

Marine premiums outstanding Dec. 31, 1889, . $641,038 57 
Premiums on risks written or renewed, . . 1,284,302 33 



Total, $ 1,925,340 90 

Premiums now in course of collection, . . 726,225 65 



Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest received on mortgages, 



. $1,199,115 25 
178,678 77 

. $1,020,436 48 

21,231 72 

Interest and dividends received from all other sources, . . 56,348 06 
Income from rents, 2,242 41 



Gross cash income, $1,100,258 67 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . - 

Cash dividends paid, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$839,734 10 
149,565 96 



Gross cash expenditures, 



$690,168 14 
100,000 00 
24,651 95 
46,042 95 
14,103 77 
68,088 12 

$943,054 93 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 



$12,847,151 00 
77,691,368 00 



Premiums. 

$719,053 57 
1,284,302 33 



,538,519 00 $2,003,355 90 
79,136,025 00 1,241,713 84 



In f oree at end of year, 



. $11,402,494 00 



$761,642 06 



100 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
is paid from organization of company, . 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared dining the year (10 per cent.), 
Company's stock owned by directors, .... 



$18,675,096 00 

12,645,297 00 

839,734 00 

1,230,000 00 

100,000 00 

119,100 00 



BOYLSTON INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 2G, 1872. Commenced business Jan. 8, 1873.] 
Paid-up Capital, $557,200. 

♦Joseph \Y. Balch, President. Washington Glover, Secretary. 

Office, No. 30 Kilby Street. 



Detailed Statement of Stocks 



250 shares Merchants' National Bank, 
200 " State National Bank, 
300 " Republic National Bank, 
300 " Washington National Bank, . 
300 " Columbian National Bank, 
200 " Tremont National Bank, 
67 " Revere National Bank, . 
17 " New England National Bank, 
57 " Boston & Albany R.R., . 
150 " Boston & Providence R R., 
350 " Fitchburg R.R., 
Oregon Railway & Navigation Company bonds 
Kansas City, Memphis & B. R.R. bonds, . 
Atchison, Topeka & S F. R.R bonds, 
l)nl ut h, South Shore & Atlantic R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Old Colony R.R. bonds, .... 
Cedar Rapids & Missouri River R.R. bonds, 
N E. Mortgage Security Company bonds, 
Metropolitan Telegraph & Tel. Co. bonds, 
Utah & Northern U.K. bonds, . 
( Jity of Cairo bonds, ..... 
Boston & Albany \l.\i. Company rights, . 
Atchison, Topeka cv. 8. F. scrip, 



and Bonds. 

Tar Value. 

$25,000 00 

20,000 00 

30,000 00 

30,000 00 

30,000 00 

20,000 00 

6,700 00 

1,700 00 

5,700 00 

15,000 00 

35,000 00 

10,000 00 

25,000 00 

35,000 00 

25,000 00 

30,000 00 

25,000 00 

31,000 00 

10,000 00 

8,000 00 

8,000 00 

1,100 00 

100 00 



Market Value. 

$;57,500 00 

25,200 00 

48,300 00 

36,600 00 

33,900 00 

22,800 00 

8,576 00 

2,890 00 

11,172 00 

37,200 00 

29,750 00 

9,300 00 

24,000 00 

24,300 00 

23,750 00 

26,700 00 

26,500 00 

35,180 00 

9,500 00 

8,400 00 

7,440 00 

1,100 00 

3,268 00 

121 68 



$427,300 00 $493,447 68 



• Since deceased. Now George II. Balch. 



> .] AND FIKE-MAKINE INSURANCE COS. 101 



Securities 1 las ^lateral for cash loans : — 



pany bond. . 

tl Bank. Concord. N II ., 
Chicago, Burlingt n A Quincy R.R. bonds, 

79 8 9 Boston A Albany R.U.. . 
Chi _ h Pacific R.R. bon 

Galveston. Harrisburg A S. A B K. bonds, 
•well Bleachery. . 
• 

100 

■ 
100 



4 Bell Telephone Company, 
■ K . F.S A 

4 i uailwa; ■mpany, 

4 Calumet ov: Hfecla Mining Company, 
4 N. £ Telephone Coin par 
Kansas City. Memphis A B R.R bonds, 

Metropolitan 8. B R. < .. . 
Atchison. T lar. Fund. 

a A San Francisco R R. bo: 
Simpson Patent Dry Dock bond-. 



Market Yaloe. 
$1,000 00 

30,000 00 
20,800 00 

23,000 00 

00 

90 00 

13,500 00 

14,000 00 

7300 00 

00 

960 00 

6,600 00 

5,000 00 

00 



1 



J 



Lowei I t eieuu . 
$1,000 00 
14,000 00 

50,000 00 

1,100 00 
10,000 00 

: . ' ■:■:' 

8,000 00 
10/MO 00 

10,000 00 



$158,340 00 $114,100 00 



MMABT 



Loans on mortgage of real estate (first lie 
Interest due or accrued thereon, 

\nd boii - hedule, . 

as on collateral securi r schedule, 

- i in the office of the company, . 

Cash deposited in bank 

Interest due and accrued, .... 
Premiums in course of collection (_ as . 
\ken for marine and inland ras 
Gross ass-. 

Liabilit: 

- idjusted, unpaid 

\rned premiums on outstandir_ 
Interest due or accrued on scrip, 
Commissions and brokerage. . 

Return premiums, 

Re-insurance, etc., 

Gross liabilit: pt capital, 

Surplu- - irds policy-holders, . 

Paid-up capital, 

nding, not ordered to be redeemed, 
Surplus ?.pital, 



$209,800 00 

8 59 33 

.447 68 

114,100 00 

1 

"114 40 

3,1 : 1 

61 

14 - a 



oo 

8,117 83 
3,668 92 
i.421 5C 



$924,094 13 



:12337 70 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 






102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



I N'COME. 

Fire premiums outstanding Dec. 31, 1889, . $32,729 21 

Same not collected, 53 30 

Net collected, $32,675 91 

Premiums on risks written or renewed, . . 321,050 12 

Total, $353,726 03 

Premiums now in course of collection, . . 42,059 61 

Entire premiums collected, .... $311,666 42 

Less re-insurance and return premiums, . . 49,345 81 

Net cash fire premiums received, . . $262,320 61 

Marine premiums outstanding Dec. 31, 1889, . $12,381 12 

Premiums on risks written or renewed, . . 37,301 55 

Total, $49,682 67 

Premiums now in course of collection, . . 14,712 12 

Entire premiums collected, .... $34,970 55 

Less re-insurance and return premiums, . . 3,870 39 

Net cash marine premiums received, . 

Interest received on mort^a^es, 

Interest and dividends received from all other sources, . 

'Gross cash income, . . $329,395 36 



31,100 16 

8,211 51 

27,763 08 



Expenditures. 
Cash paid for fire losses, 

for marine and inland losses, . 

Cash dividends paid, 

Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$149,047 82 
31,402 98 
16,716 00 
76 90 
56,492 10 
28,700 00 
2,722 83 
28,294 57 

$313,153 20 



}■"]](■ risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$35,304,247 00 $398,002 20 
80,192,465 00 321,050 12 



Total, 

Deduct risks expired and terminated, 

Iii force at end of year, 
I Jcdiiet amount re-insured, 

Net amount in force, . 



^65,496,712 00 $719,052 32 
26,961,890 00 281,529 86 



838,584,822 00 81:57,522 46 
2,689,728 00 82,565 58 



$:;5,s 15,094 00 $104,956 88 



L] AND FIRE-MARINE INSURANCE COS. 






■.^standing Dec. 81, 188 
Marine ri-ks written during 1890, . 

tal 

id ri-ks expired and terminated, 



In force at end of year, 

Deduct amount re-insi; 

Net amount in for 



00 

>".- 182 
I 1 



55 00 
13.072 00 



Premiums. 

%Yi. 58 ~ 

22 

_ 2 

116,386 55 

77 E 



&278,913 00 • 05 



MlSCELLAKEOUS. 

Premioms received from organization of company, . ; i 

Crom organisation of company, ... - 

Fire losses incurred during the year. ..... 144,36-1 00 

Marine and inland losses incurred during the year, . . 35,103 00 

dividends declared from organization of company, . B 9 76 00 
Dividend^ declared during the year (3 per cent ). . 

Company's stock owned by directors, -\600 00 



DWELLING BOUSE INSURA1 OMPANY, BOSTON. 

[Incorporated Dec. 30. C mmenced business Jan. 9, 1ST3.] 

Paip-lt Capita!., $300,000. 

Chas K Nichols, Pr Hsnbt F. Perkins, - 

§ 



Detailed Statement 



100 •• Merchants' National Bank, Boston, 

Republic National Bank. Boston, 
100 " State National Bank, Boston, . 
100 Suffolk National Bank, Boston, 

100 " Atlas National Bank, Boston. . 
100 " Howard National Bank, Boston, 
69 •• Hide and Leather Nat'l Bank. Boston, 
New England National Bank. Boston, 
City National Bank, Boston, . 
Redemption National Bank, Boston, 
44 •' Union National Bank, Boston, 
30 " Eagle National Bank, Boston, 
7 •• Tremont National Bank, Boston, 
Vermont £ Mass. R.R., . 

stern R.R bonds, 

rton cV: Providence RR. bonds, 
Old Colony R.R. bonds, .... 



AND BOBDS. 

Par Value. 
$10,000 00 
00 

00 
10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,900 00 

5,000 00 

00 

00 

3,000 00 

700 00 

10,000 00 

5,000 00 

10,000 00 

■: :.ooo oo 



Market V 

$ 19,300 00 
15,100 00 
16,300 00 
12,600 
11,1 

12 00 

11,000 00 

70 00 

B 00 

50 00 

00 

248 00 

3,2: 

- 5 00 
13,800 00 

250 00 
11,000 00 

L'i.7;: 



$ 145,000 00 fl 00 



104 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Si mmakv of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*), 
[nteresl accrued thereon, .... 
Stocks, bonds, etc , as per schedule, . 
( lash in the office of the company, . 
( !ash deposited in bank, .... 
[nteresl due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken lor lire risks, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, . 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 

Income. 
Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 



$195,950 00 

2,987 93 

190,083 00 

30,347 56 

17,523 64 

3,516 59 

58,520 14 

61,127 11 



$4,192 66 

2,367 50 

6,182 00 

205,118 27 

353 64 

5,460 00 



Entire premiums collected, .... $226,025 47 

Less re-insurance and return premiums, . . 37,771 97 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from commissions, 

Gross cash income, .... 

IvM'ENOITURES. 

( ash paid for lire losses, .... 
< !asb dividends paid, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for Slate and local taxes, 

I'm- incidentals, 

GrOSfl Cash expenditures, . 



$124,562 14 
221,110 58 

$345,672 72 
119,647 25 



♦ Value <>f landi mortgaged, 
Value <>f buildings thereon, 
Amount of Insurance held an collateral, 



§560,055 97 



223,674 07 

1336,381 90 

300,000 00 

$36,381 90 



$188,253 50 


8,422 89 


9,700 00 


185 00 



$200,561 39 

$107,580 57 

18,000 00 

49,726 51 

18,208 86 

6,747 57 

15,861 69 



$216,125 20 



$206,000 
2:i<3,2<K) 
212,800 



Ifi .] AND FIRE-MARIXE INSURAN* >S. 1 ' 

Risks axd Premt 

Fire risks outstanding Dec. 31, -1889, - 

Fire risks written during 1890, .22,118*540 00 221,1 J M 



Total,. .$66,556,952 00 $681,34184 

Deduct risks expired and terminated, . 1 



In force at end of year. 
Deduct amount re-insured. 



'. |4i : ■.- W 
165,600 00 



amount in force, . 1 1 ,568,872 00 $410,236 54 

Perpetual risks in force (included above), 300 00 

Miscellaneous. 

Premiums received from organization of compat " ■:• 00 

- rs paid from organization of company 621329 00 

Fire losses incurred daring the ye 

Cash dividends declared from organization of compa 

Dividends declared during the year (6 per cent. 1 * '• 

Company's stock owned by directors, .... 31,600 00 



ELIOT IS OMPAXY. BO- 

[Incorporated Dec. 31, 1*72. Com m en ee d tw wi ii ewi Jan. 4, 1S73-] 

:^:: -77 Cj.7:Tii ~- • • •:. 

Geeesteaf C. Gi President. Geohge Shaw. Secretary. 

Office^ No 12 Kilby Street. 



7 ailed Statement of Stocks and I 

ParValae. ? £ - 

Worcester & Nashua Railroad bonds, ? 

Fitchbnrg Railroad bonds. .... t 10^500 00 

Northampton town bon ... i : 

Boston city bonds, ...... 25,000 00 27337 50 

United States bon. : ..... 61,25000 

ichusetts State bonds, ... 15,075 00 

25 shares Norwich A: Worcester Railroad, 4 ISO 00 

50 " Old Colony Railroad, . . . 5,000 00 - 

50 ■ Vermont A: Massachusetts Railroad, 5,000 00 - r 

50 " Shawmut National Bank, . . . 5,000 00 

37 " Revere National Bank, . . 3,700 00 



$'-: 



.-;.-:: : : 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 31, 1890. 



st liens*), 



Loans <>n mortgage of real estate (fir 
[nterest due or accrued thereon, 
Stocks and bonds, as per schedule, 
( lash in the office of the company, 
Cash deposited in bank, . 
[nterest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



$101,900 00 
1,326 90 

ISO',811 00 

545 88 

31,054 87 

2,044 25 

28,420 09 



$346,102 99 



Liabilities. 

Losses adjusted, unpaid, $20,004 00 

Unearned premiums on outstanding risks, . 106,152 52 

Due and accrued for rents, salaries, etc., . . 625 00 

Commissions and brokerage, . . . . 3,517 55 

Return premiums, 998 38 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $32,863 29 

Premiums on risks written or renewed, . . 203,862 10 

Total • . . . . $236,725 39 

Premiums now in course of collection, . . 28,420 09 

Entire premiums collected, .... $208,305 30 

Less re-insurance and return premiums, . . 44,608 79 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



131,297 45 

$214,805 54 
200,000 00 

$14,805 54 



$163,696 51 
5,445 63 
9,791 27 

$178,933 41 



Expenditures. 

Cash paid for fife losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 
( lash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$125,093 86 
4,655 43 



$120,438 43 

25,739 79 

9,956 00 

4,262 36 

18,716 14 

$179,112 72 



* Value of landi mortgaged, 
Value of buildinga thereon, 
Amouni of Insurance held us collateral, 



100,200 00 

95,300 00 

121,000 00 



>.] AND FIRE-MARINE INSURANCE COS. 107 



Risks and Premiums. 



Fire risks outstanding Dec. SI, 1889, 
Fire risks written daring 1890, 

tal, 

Deduct risks expired and terminal 

In force at end of year, 

Deduct amount re-insured, 

Net amount in force, 



,121,535 00 

- 00 



$45. I 00 

21,282,798 00 

124,047,195 00 
1,289,374 00 



Premiums. 

$2 15,877 91 

'.,862 10 

$119,740 01 

199,234 13 

,505 88 
11,299 



122,757^21 00 6 12 



Miscellaneous. 

Premiums received from organization of company. 

ud from organization of company, 
Fir- as - incurred during the year, .... 

I sh dividends declared from organization of company, 
Company's stock owned by directors, .... 



$2,32 
1,254,08* 

2 00 

310,000 00 

23,800 00 



EQUITABLE MARINE INSURANCE COMPANY, PROVINCETOWN. 

[Incorporated 1S45. Commenced business 1S46.] 
Paid-up Capital, $50,000. 

Joshua Paine, Prcsid Lewi- Nickesson, Secretary. 



Detailed Statement of Stocks 



80 shares Freeman's National Bank, 

65 " First (Provincetown) Nat. Bauk, 

15 " Revere National Bank, 

15 M State National Bank. 
45 " Republic National Bank, . 

16 " Hide and Leather National Bauk, 

19 " Boston & Albany Railroad, 

20 " Union Pacific Railroad, 
Advanced on Boston & Albany stock, 
Brookline town bonds, 
Melrose town bonds. 
Arlington town bonds, 
Cincinnati city bonds, 
Bangor city bonds, . 
Kansas city bonds, . 
Old Colony Railroad bonds, 
New York & New England Railroad bonds, 
Chicago £ Northwestern Railroad bonds, 
Fitchburg Railroad bonds, 
Atchison. Topeka and Santa Fe Railroad bonds, 
Boston, Revere Beach & Lynn Railroad bonds, 
New England Mortgage Security Co bonds, . 



and Bonds. 

Par Value. 

$8,000 00 

00 

1,500 00 

1.500 00 

4.500 00 

1,600 00 

1,900 00 

2,000 00 

50 00 

3,000 00 

3,000 00 
2,000 00 

3,000 00 
2,000 00 

2,500 00 

5,000 00 

2,000 00 

2,000 00 

5.000 00 

2,500 00 

4,000 00 

1.000 00 



Market Value. 

$8,560 00 

10,075 00 

1.020 00 

1,845 00 

i B0 00 

3,610 00 
820 00 
50 00 
3,300 00 
3.150 00 
2,060 00 
4,020 00 
2,400 00 
3,000 00 
5.400 00 
2,500 00 
1,995 00 
5,200 00 
1,640 00 
4,400 00 
1,000 00 



§64,550 00 $76,360 00 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
Securities held as collateral for cash loans: — 

Market Value. Loaned Thereon. 

5 shares National Bank, Proviocetown, . . $/75 00 $400 00 

10 " State Nat Bank, Witchita, Kansas, . 1,350 00 1,000 00 



f2 f 125 00 $1,400 00 



Summary of Assets Dec. 31, 1890. 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Personal loan, .... $ 1,000 00 
Gross assets, 



$76,360 00 

1,400 00 

22 33 

9,675 03 

7,664 20 

30,695 44 



$125,817 00 



Liabilities. 

Losses adjusted, unpaid, . 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, . 

State and local taxes, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$950 00 

3,150 00 

30,695 44 

2,500 00 

225 00 



37,520 44 



$88,296 56 
50,000 00 



$38,296 56 



Income. 

Cash marine premiums received, .... 
Interest and dividends received from all sources, . 

Gross cash income, 



$37,007 82 
4,263 62 



$41,271 44 



Expenditures. 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 



$23,774 16 

5,000 00 

2,145 L9 

1.100 00 

591 28 

371 64 



Gross cash expenditures, $88,282 27 



1890.] AND FIRE-MARINE INSURANCE COS. 109 



Risks and Premiums. 



Marine risks outstanding Deo. 81, 1889, 

Marine risks written during 1890, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 

Net amount in force, . 



$458,496 00 
695,599 00 



L,154,095 00 
691,767 00 



$462,328 00 
19,000 00 



Premiums. 

$30,925 53 
40,155 58 

$ 7 1,081 11 
38,916 92 

$32,164 19 
1,468 75 



$443,328 00 $30,695 44 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



|326,745 00 

208,737 00 

26,924 00 

43,000 00 

5,000 00 

8,000 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.] 
Paid-up Capital, $400,000. 

Thomas W. Tuckeh, President. Henry C. Short, Secretary. 

Office, No. 43 Kilby Street. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston city bonds $30,000 00 $31,550 00 

Charlestovvn city bonds, 20,000 00 20,520 00 

Chelsea city bonds, 4,000 00 4,080 00 

Fall River city bonds, 30,000 00 34,650 00 

Lawrence city bonds, 5,000 00 5,275 00 

Eastern Railroad bonds 22,500 00 27,675 00 

Worcester & Nashua Railroad bonds, . . 10,000 00 10,000 00 

Fitchburg Railroad bonds, .... 20,000 00 21,400 00 

Boston & Providence Railroad bonds, . . 25,000 00 25,750 00 

Old Colony Railroad bonds, .... 20,000 00 21,000 00 

Burlington & Missouri River Railroad bonds, 25,000 00 22,375 00 

Kans. City, St. Joseph & C. Bluffs R.R. bonds, 20,000 00 23,800 00 

Boston & Lowell Railroad bonds, . . . 1,000 00 1,045 00 

Chicago, Burlington & Northern R.R bonds, . 25,000 00 24,750 00 

Cedar Rapids, Iowa Falls &No.W. R.R. bonds, 25,000 00 21,250 00 

St. Paul & North Pacific Railroad l)onds, . 30,000 00 36,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 29,500 00 20,207 50 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Jackson, Lansing & Saginaw Railroad bonds 

lan - * iiv National Bank, 
200 " Hamilton National Bank, 
200 " Eagle National Bank, 

5-1 " Webster National Bank, 
100 " Revere National Bank, 

83 " Atlas National Bank, 
284 " Atlantic Cotton Mills, 
Loan to National Tube Works, 
Loan to Boott Cotton Mills, 



Securities held as collateral for cash loans :- 

130 shares National Tube Works, . 
Ogdensburg & Lake Champlain R R. bonds, . 



Tar Value. 

$20,000 00 
20,U00 00 
20,000 00 
20,000 00 

5,400 00 
10,000 00 

8,300 00 
28,400 00 
15,000 00 
15,000 00 



Market Value. 

$20,400 00 

20,000 00 

24,400 00 
21,300 00 
5,406 75 
12,800 00 
10,063 75 
28,258 00 
15,000 00 
15,000 00 



$504,100 00 $523,956 00 

Market Value. Loaned Thereon. 

$23,140 00 $13,000 00 

3,075 00 2,500 00 



$26,215 00 $15,500 00 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $181 24 
Gross assets, 



31, 1890. 

$284,500 00 

3,052 57 

523,956 00 

15,500 00 

337 31 

10,074 79 

6,019 50 

11,141 46 



$854,581 63 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Due and accrued for rents, salaries, etc., 
State and local taxes, 
Commission^ and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$2,494 42 

5,924 33 

108,719 90 

330 00 

1,250 00 

1,250 00 

2,116 11 

200 00 



122,284 76 

$732,296 87 
400,000 00 

$882,296 87 



* Value <>f lands mortgaged, . 
Value of bulldlngi thereon, . 
Amount of Insurance held a« collateral, 



$302,000 00 
258,700 00 
231,100 00 



1890.] AND FIRE-MARINE INSURANCE COS. Ill 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $10,492 36 
Premiums on risks written or renewed, . . 130,095 41 

Total, $140,587 77 

Premiums now in course of collection, . . 11,322 70 

Entire premiums collected $129,265 07 

Less re-insurance and return premiums, . . 15,285 46 

Net cash lire premiums received, - . . §113,979 61 

Interest received on mortgages, 12,108 07 

Interest and dividends received from all other sources, . . 27,733 70 

Gross cash income, $153,821 38 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$50,620 09 
2,645 88 



$47,974 21 

39,810 00 

18,176 77 

13,457 00 

3,959 55 

8,326 49 

$131,704 02 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$19,274,577 00 $ 203,628 31 
. 14,749,501 00 130,095 41 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$34,024,078 CO f 333,723 72 
. 13,891,567 00 121,098 50 



.$20,132,511 00 $212,625 22 
540,642 00 5,311 91 



.$19,591,869 00 $207,313 31 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year' (10 per cent.), 

Company's stock owned by directors, . 



$2,346,370 00 

1,186,778 00 

38,687 00 

505,000 00 

40,000 00 

21,200 00 



112 MAS-. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
FIRST NATIONAL FIRE INSURANCE COMPANY, WORCESTER. 

[Incorporated April, 186S. Commenced business Jan. 1, 1S69.] 
Paid-up Capital, $200,000. 



I has. B. Pratt, President. 



Geo. A. Park, Secretary. 



Detailed Statement of Stocks and Bonds. 



30 shares Worcester National Bank, 

50 " Worcester Safe Deposit & Trust Co 
120 " First National Bank, 
27 " Eliot National Bank, 
15 " North National Bank, 

31 " Boylston National Bank, 
25 " Merchants' National Bank, 
20 " Revere National Bank, . 
24 " Commerce National Bank, 

Boston, Barre & Gardner R.R. bonds, 
Nashua & Rochester R.R. bonds, 



Par Value. 

$3,000 00 
5,000 00 

12,000 00 
2,700 00 
1,500 00 
3,100 00 
2,500 00 
2,000 00 
2,400 00 

20,500 00 
6,000 00 



Market Value 

$1,500 00 
8,250 00 

22,500 00 
3,618 00 
2,062 50 
4,200 50 
3,750 00 
2,560 00 
3,300 00 

21,320 00 
6,060 00 



Securities held as collateral for cash loans : — 

Lombard Investment Co. bonds, 

Grand Rapids, Newaygo & L. S R. R bonds, 

Lombard Investment Co. bonds, 

Worcester Co-operative Bank stock, 



$60,700 00 $82,181 00 



Market Value. Loaned Thereon. 

$5,000 00 $5,000 00 
2,000 00 I 

1,200 00 \ 3 ' 000 00 

1,300 00 300 00 



1,500 00 $8,300 00 



Summary of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

( 'ash in the office of the company, . 

( 'ash deposited in bank, .... 

tnteresl due and accrued, . 

Premiums in course of collection (gross), 

Bills receivable, 

Gross assets, 



$160,576 90 

3,029 04 

82,181 00 

8,300 00 

2,232 10 

9,944 70 

462 50 

19,494 26 

1,800 00 



$288,020 50 



< Total value of property mortgaged, 

AtDOUnt of Insurance held a* collateral, 



$300,500 00 
87,750 00 



AND FIRE-MARINE INSURANT E 

LlABILITI 



1 1 a 



- limed and rep 

Total amount ol 
-insurance, 



mount of unpaid losses 
Unearned premiums on outstanding ri 
Com - and br 

Gross liabilit: »tcapi: 



Surplus as regards policy hoi- 
-up capital, 



| 

: 

5 
. .4 13 



Surplus over capital, 



|67 " " 

i 

; - . : 



Fire premiums outstanding De 

Same not collected, 



collected. 

Premiums on risks written or renewed, . 



• 1 



•l, >:: 

Premiums now in course of collection, . . 19, 



Entire premiums coll e< .... 

re- insurance and return premium- 
cash fire premiums received, 

Interest and dividends received from all sour 
me from a. mmissi z^. , 



1 " 



- 



Gross cash income, 4 29 



Expexditcez - 

- paid for fire losse- .... 

Deduct and re-insurance, ... 

Xet cash paid for fire losses, .... 1 : r 

paid for comm iss and brokerage, . . . . 17,033 33 

for salaries and tees of officers and emp". 

for State and local tax 

for inciden: ....... . W 

Gross cash expenditures, 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding- Dec. 31, 1889, 
Fire risks written during 1890, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $7,595,457 00 
. 7,591,824 00 



Premiums. 

(109,863 29 
104,582 45 



.$ 15, 187,281 00 
. 6,332,282 00 

. f 8,854,999 00 
281,460 00 



5214,445 74 

91,664 24 

1122,781 50 

4,059 15 



i,573,539 00 $118,722 35 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Company's stock owned by directors, . 



^2,416,298 00 
1,573,008 00 

50,138 00 
168,000 00 

78,000 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 
Paid-up Capital, $400,000. 

George R Rogers, President. James Simpson, Secretary. 

Office, No. 58 State Street. 



Detailed Statement of Stocks 



100 shares Atlantic National Bank, . 
200 " City National Bank, 
200 " Columbian National Bank, 
214 " Eagle National Bank, 
300 " Globe National Bank, 
120 " Hamilton National Bank, 
160 " New England National Bank, 
200 " North National Bank, 

18 " Railroad National Bank, . 
178 " State National Bank, 
535 " Suffolk National Bank, . 
200 " Tremont National Bank, 
200 " Union National Bank, 
200 " Boston & Providence Railroad, 
100 " Chicago, Burlington & Quincy R.R. 
100 " Lyman .Mills, . 
Housatonic Railroad bonds, 
New Bedford Railroad bond-;, . 
Boston « ■ i t \ bonds, .... 
Boston & Lowell Railroad bonds, 



and Bonds. 

Tar Value. 

$10,000 00 
20,000 00 
20,000 00 
21,400 00 
30,000 00 
12,000 00 
16,000 00 
20,000 00 
1,800 00 
17,800 00 
53,500 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
25,000 00 
80,000 00 
45,000 00 
25,000 00 



Market Value. 

$13,900 00 
20,050 00 
22,400 00 
22,684 00 
30,000 00 
14,400 00 
27,240 00 
27,500 00 
2,340 00 
22,428 00 
58,983 00 
22,850 00 
28,400 00 
50,000 00 
8,900 00 
7,000 00 
26,375 00 
33,000 00 
48,600 00 
27,100 00 



1890.] AND FIRE-MARINE INSURANCE COS. 115 



Fitchbnrg Railroad bonds 

Boston A: Maine Railroad bonds, 

Union Pacific, Lincoln & Colorado \\ R bonds, 

Kansas ( it v. Fort Scott & Memphis R.R bonds, 
Oregon R'y and Navigation Company bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 



Par Value. 



10,000 00 

25,000 00 

5,000 00 

5,000 00 

1,000 00 



Market Value. 



$25,000 00 $27,250 00 



10,200 00 

21, 250 00 

5,550 00 

4,750 00 

1,020 00 



$498,500 00 $584,170 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), |2 1,500 00 

Interest due or accrued thereon, . . . 141 82 

Stocks and bonds, as per schedule, . . . 581,170 00 

Cash in the office 6f the company, . . . 181 05 

Cash de] osited in bank, 4,473 28 

Interest due and accrued 4,541 G5 

Premiums in course of collection (gross), . 15,693 84 

Notes taken for marine and inland risks, . 7,927 87 

Gross assets, £641,629 51 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums and re-insurance, . 
Gross liabilities except capital, . 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$16,695 04 
2,000 00 
94,999 22 
188 00 
3,500 00 
3,210 01 
2,498 56 



123,090 83 

$518,538 68 

400,000 00 

$118,538 68 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 



$ 11,988 58 
144,929 68 

$156,918 26 
15,693 84 



$141,224 42 
28,325 39 



$112,899 03 



* Value of lands mortgaged, 
Value of buildings thereon, . . ' 
Amount of insurance held as collateral, 



825,500 00 
17,500 00 
23,000 00 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Marine premiums outstanding Dec. 31, 1889, . £14,770 7G 
Same not collected, 67 91 



Net collected, #14,702 85 

Premiums on risks written or renewed, . . 27,562 GO 



Total $42,265 45 

Premiums now in course of collection, . . 7,927 87 



Entire premiums collected, .... $3 t,337 58 
Less re-insurance and return premiums, . . 10,713 33 

Net cash marine premiums received, . . 

Interest received on mort^ao-es, 

Interest and dividends received from all other sources, . 

Gross cash income, $ 165,397 74 



§23,624 25 

733 75 

28,140 71 



Expenditures. 

Cash paid for fire losses . 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent, etc , 

Gross cash expenditures, .... 



$68,247 15 
21,260 77 
32,020 00 
30,333 00 
12,730 00 
4,751 54 
8,122 21 



$177,464 67 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890,. 



.$17,297,466 00 
. 12,336,831 00 



Total, $29,634,297 00 



Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 

Net amount in force, . 



12,506,946 00 



Premiums. 

$189,835 91 
144,929 68 

$334,765 59 
1U,197 51 



$17,127,351 00 
879,381 00 



£190,568 08 
10,667 32 



$16,247,970 00 §179,900 76 



§C>73,395 00 
1,1*8,094 00 

$2,161,489 00 

1,628,794 00 

$532,695 00 

21,500 00 



$11,038 82 
27,562 60 

$38,601 42 
33,908 80 

$4,692 62 
877 50 



$511,19.") <)0 $3,815 12 



.] AND FIRE-MARINE INSURANCE COS. 117 



Miscellaneous. 

Premiums receive d from organization of company, 

es paid from organization of company, 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, 
(ash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stork owned by directors, . 



§7,010,277 00 

5,113,116 00 

70,313 00 

18,388 00 

2,090,500 00 

32,000 00 

28,700 00 



neptune fire and marine rNSURANCE company, boston. 

[Incorporated Pec. 24, 1372. Commenced business Jan. 1, 1873.] 
Paid-up Capital, $300,000. 

Eugene B. H ink ley, President. Wm. W. Case, Secretary. 

Office, No. 64 Stale Street. 



Detailed Statement of Stocks 

500 shares Tremont National Bank, 
100 " Atlas National Bank, 

140 " Commerce National Bank, 
42 " Columbian National Bank, 
100 " Eliot National Bank, 
50 " Everett National Bank, . 
100 " Faneuil Hall National Bank, . 
50 " Globe National Bank, 
120 " Hamilton National Bank, 
50 " Hide and Leather National Bank, 
70 " Howard National Bank, . 
100 " Massachusetts National Bank, 
160 " New England National Bank, 
120 " Old Boston National Bank, . 
100 " Redemption National Bank, . 
120 " Republic National Bank, 
120 " Revere National Bank, . 
120 '• Suffolk National Bank, . 
75 " Shoe and Leather National Bank, 
100 " State National Bank, 
100 " Union National Bank, 
Burlington & Mo. R (in Neb ), R R. bonds, 
Fitchburg Railroad bonds, 
Oregon Railway & Navigation Co. bonds, 
Illinois Steel Company bonds, . 
Chicago, Burlington & Northern R R. bonds, 
Kansas City, Memphis & Burl. R.R. bonds, 
Atchison, Topeka & Santa Fe Railroad bonds, 



and Bonds. 

I'ar Value. 

$50,000 00 

10,000 00 

14,000 00 

4.200 00 

10,000 00 

. 5,000 00 
10,000 00 
5,000 00 
12,000 00 
5,000 00 
7,000 00 
10,000 00 
16,000 00 
12,000 00 
10,000 00 
*12,000 00 
12,000 00 
12,000 00 
7,500 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
15,000 00 
10,000 00 
10,000 00 
16,000 00 



Market Value. 

s:»7,125 00 
12,150 00 
19,320 00 

4,704 00 
13,400 00 

5,350 00 
14,250 00 

5,000 00 
14,400 00 

6,500 00 

7,735 00 
10,925 00 
27,240 00 
14,430 00 
13,800 00 
19,560 00 
15,360 00 
13,230 00' 

7,294 00 
12,600 00 
14,200 00 
10,600 00 

10,700 00 

18,800 00 

14,550 00 
9,800 00 
9,500 00 

12,640 00 



§334,700 00 §395,163 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 31, 1890. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Salvage due, 

Premiums more than 3 months due, . $122 85 
Gross assets, 



$395,163 00 

1,228 71 

13,559 C8 

1,770 00 

21,009 14 

619 28 



|433,379 81 



Liabilities. 
Losses adjusted, unpaid, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$15,000 00 

1,000 00 

98,555 86 

3,150 00 



117,705 86 

$315,673 95 
300,000 00 

$15,073 95 



Income. 

Fire premiums outstanding Dec 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 



121,434 88 

200,651 07 

$222,085 95 

21,131 99 



Entire premiums collected, .... $200,953 96 
Less re-insurance and return premiums, . . 19,513 59 

Net cash fire premiums received, . . . $181,410 37 

Interest and dividends received from all sources, . . . 16,309 44 

Gross cash income, $197,719 8L 



KXPENDITUKES. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid lor fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo}'ees, 
for State and local taxes, 
for rent and incidentals, . 



19,092 67 
2,965 59 



116,127 08 

37,621 87 

15,041 37 

3,110 93 

7,810 57 



GrOSS Cash expenditures, 



$179,711 82 



1890.] AND FIRE-MARINE INSURANCE COS. 119 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written during 1890, 



Risks and PREMIUMS. 

Premiums. 

.$13,011,751 00 $189,714 06 
. 15,437,841 00 199,144 24 



Total, 

Deduct risks expired and terminate 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



I, 



. $ 28,449,592 00 $388,858 30 
. 14,319,038 00 192,251 71 



. $14,130,554 00 $196,006 59 
102,677 00 948 95 



.$14,027,877 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



5,657 64 



$3,126,260 00 

2,139,480 00 

108,693 00 

411,000 00 

43,600 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business Jan. 1, 1873.] 
Paid-up Capital, $200 k 000. 

Silas Peirce, President. Charles E. Macullar, Secretary. 

Office, No. 59 Kilby Street. 



Detailed Statement of Stocks 

United States bonds, 

Chicago, Milwaukee and St. Paul R.R. bonds, 
Chicago, Burlington and Quincy R.R. bonds, . 
Northern Pacific R.R bonds, .... 
Union Pacific R R bonds, .... 

Oregon Railway and Nav. Co. bonds, 
Kansas City, Memphis & Birmingham R.R. bonds, 
Consolidated R R of Vermont bonds, 
138 shares Boston National Bank, . 

50 ' 
100 ' 

17 

95 ' 

29 ' 
150 ' 
143 

50 
100 
100 



City National Bank, 

Eliot National Bank, 

Exchange National Bank, 

Globe National Bank, 

Hide and Leather National Bank, . 

Merchants' National Bank, 

Old Boston National Bank, 

Shoe and Leather National Bank, . 

State National Bank, 

Suffolk National Bank, . 



and Bonds. 

Par Value. 

$25,000 00 

5,000 00 

9,000 00 

5,000 00 

6,000 00 

" 12,000 00 

5,000 00 

5,000 00 

13,800 00 

5,000 00 

10,000 00 

1,700 00 

9,500 00 

2,900 00 

15,000 00 

14,300 00 

5,000 00 

10,000 00 

10,000 00 



Market Value. 

$30,625 00 
6,125 00 
8,430 00 
5,800 00 
5,700 00 

13,260 00 
4,737 50 
4,225 00 

16,560 00 
5,000 00 

13,400 00 
2,244 00 
9,500 00 
3,770 00 

22,500 00 

17,195 75 
4,875 00 

12,600 00 

11,025 00 



$169,200 00 $197,572 25 



120 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31 



Securities held as collateral for casli loans : — 

Union Pacific 1!1! bonds, .... 

Eastern Railroad bonds, 

Vermont and Mass. R.R. bonds, 



Market Value. Loaned Thereon. 

$1,120 00 §1,000 00 

1,230 00 800 00 

1,070 00 500 00 



$3,420 00 $2,300 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance due, 

Premiums more than 3 months due, $303 37 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., . 

Commissions and brokerage, . 

Return premiums and re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, ..... 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Nel cash fire premiums received, 



31, 1890. 

$44,100 00 

74,400 00 

1,309 08 

197,572 25 

2,300 00 

9,347 49 

5,157 94 

1,685 00 

21,745 79 

207 08 

539 79 



$4,327 82 

5,385 60 

121,123 5Q 

437 50 

2,898 71 

1,065 00 



$21,549 75 
19 50 

$21,530 25 
207,013 51 

$228,51:5 76 
22,049 16 

$206,494 60 
51,679 41 



$358,364 42 



135,238 19 

$223,126 23 
200,000 00 

$23,126 23 



$154,815 19 



* Value of IiukIh mortgaged, . 
Value of building! thereon, 
Amount of Insurance \wUl a* collateral, 



148,000 00 

101,800 00 
86,300 00 



1890.] AND FIRE-MARINE INSURANCE COS. 121 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 

Bank tax returned, 



Gross cash income, 



$3,747 05 

9,332 88 

1,961 96 

857 01 

$170,714 09 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance, 
Net cash paid for fire losses, .... 
("ash dividends paid, , . . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$110,169 74 
12,751 02 



$97,418 72 
$6,000 00 
30,645 65 
13,690 73 
5,639 36 
13,975 87 

$167,370 33 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 81, 1889, . .$24,643,318 00 $260,186 94 

. 21,290,614 00 207,013 51 



Fire risks written during 1890, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, 



. $45,933,932 00 $467,200 45 
. 19,766,130 00 196,395 87 



.$26,167,802 00 $270,804 58 
. 2,606,899 00 28,557 43 



. $23,560,903 00 $242,247 15 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$1,792,478 00 

806,443 00 

79,646 00 

290,000 00 

6,000 00 

15,100 00 



122 MASS. JOIXT-STOCK FIRE, MARINE, [Doc. 31, 



PRUDENTIAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Jau. IS, 1889. Commenced business Feb. 9, 1S89.] 
Paid-up Capital, $200,000. 

AUGUSTUS B. Martin, President. HERBERT C. Hill, Secretary. 

Office, No. 65 Kilby Street. 



Detailed Statement 



of Bonds. 

Tar Value. 

$49,500 00 
8,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
1,000 00 
5,000 00 
3,000 00 
10,000 00 
2,000 00 



Boston city bonds, 
Cleveland, Ohio, city bonds, 
Springfield, Ohio, city bonds, . 
Newburyport city bonds, . 
New London, Conn., city bonds, 
Lynn city bonds, 
Manchester, N. H., city bonds, . 
Grand Rapids, Mich , city bonds, 
Androscoggin County bonds, . 
Boston & Lowell R.R. bonds, . 
Boston & Providence K, R. bonds, 



5,500 00 

Summary of Assets Dec 31, 1890. 

Loans on mortgage of real estate (first liens*), $116,800 00 

Interest due or accrued thereon, ... 1,565 32 

Bonds, as per schedule, 106,636 09 

Cash in the office of the company, . . . 6,077 03 

Cash deposited in bank, 12,424 26 

Interest due and accrued, 1,564 76 

Premiums in course of collection (gross), . 29,262 33 
Office furniture, . . . $3,448 21 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, $996 44 

claimed and reported, .... 6,661 75 

disputed or resisted, .... 10,237 01 



Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued tor rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Impairment of capital, 



* Value of lands mortgaged. 
Value of bulldlugi tbcreon, 
Amount of Insurance held as collateral, 



$17,895 20 
18 98 

$17,876 22 

58,757 36 

615 00 

4,389 35 



Market Value. 

$53,417 Go 
8,963 70 
5,677 50 
5,500 00 
5,468 75 
5,387 50 
1,025 63 
5,571 00 
3,124 36 
10,325 00 
2,175 00 

$106,636 09 



$274,329 79 



81,637 93 

$192,691 86 
200,000 00 

$7,308 14 



$115,000 00 

117,000 00 

84,500 00 



30.] AND FIRE-MARINE INSURANCE COS. 123 



IV '-ME. 

Fire premiums outstanding Dec. 31, 18S9, 




Premium- on risks written or renewed, 

Total 

aiums now in course of colleetion, 



f8,247 27 

S I 

18, li 61 

21 34 

- : 
2 262 GO 



Entire premiums collec* .... §132.1' 

].- -- n -insurance and return premium-. . 42.110 10 

cash fire premiums received, 
_ _ 
Interest and divides ived from all other sour 

me from commie re , 

ived for calls on capital, . }l 7 40 

Gr me, 



- - 
I '2 30 

02 

1,280 64 



517 48 



Expenditures. 

Cash paid for tire losses, . 
Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employee: 
- te and local taxes, . 
rent and incidental-. . 

Gross cash expenditures, .... 



7 07 
1,8 E 



21 
19,910 - 
10,623 96 

30 97 

12.501 62 

14 



Eisks and Premium-. 



Fire risks outstanding Dee. 31, 1889, 
Fire risks written during 

Total, 

Deduct risks expired and terminated. 

In force at end of year. 
Deduct amount re-insured, 

2S et amount in force, . 



. £7,370,433 00 
. 15,27:" 

. 822.644,377 00 
. 11,208,110 00 

.611,436,267 
395,983 00 



Premiums. 
$81,343 00 

153,321 34 

$234,664 89 

112,821 01 

$121,843 88 
4.329 14 



.$11,040,284 00 $117,514 74 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization or. company, . 
Fire losses incurred during the year, 
Company's stock owned by directors, 



§172,467 00 

119,611 00 

48,109 00 

B5,000 00 



124 MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31 



SALEM MARINE INSURANCE COMPANY, SALEM. 

[Incorporated Feb. 6, 1S56. Commenced business Feb. 7, 1857.] 
Paid-up Capital, $100,000. 

William Nobthey, President. Fred'k P. Richardson, Secretary. 



Detailed Statement of Stocks 



Burlington & Missouri River R.R. bonds, 
Cedar Rapids & Missouri Railroad bonds, 
Consolidated Vermont Railroad bonds, . 
Philadelphia, Wil & Baltimore R R. bonds, 
Fremont, Elk. & Missouri Valley R.R. bonds, 
Essex Railroad bonds, .... 
Sioux City & Pacific Railroad bonds, 
Oregon Railway & Navigation Co. bonds, 
Northern Pacific Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Burlington & Northern R.R. bond, 
Chicago, Burlington & Quincy Railroad bond 
Atchison, Topeka & Santa Fe Railroad bond, 
New England Telep. and Teleg. Co. bond, 
Manhattan Beach Improvement Co. bonds, 
20 shares Manhattan Beach Imp. Co. 
Cleveland city bonds, 
Providence city bonds, 
Cambridge city bonds, 
Louisville city bonds, 
Minneapolis city bonds, 
Cincinnati city bonds, 
Omaha city bonds, .... 
St. Paul city bonds, .... 
Hancock County, O., bonds, 

55 shares Chicago, Burlington & Quincy R.R 
150 ' 

30 ' 

81 ' 

73 ' 

98 ■ 
100 ' 

93 ' 
100 ' 
100 ' 

75 

51 

16 

21 

30 



Chicago & Northwestern R.R , 
Mercantile National Bank, Salem, 
Merchants 1 National Bank, Salem, 
Exchange National Bank, Salem, 
First National Bank, Salem, . 
Naumkeag National Bank, Salem, 
North National Bank, Boston, 
Second National Bank, Boston, 
Webster National Bank, Boston, 
Nat" 1 Bank of Commerce, Boston, 
Atlantic National Bank, Boston, 
Shawmul National Bank, Boston, 
Boston National Bank, Boston, 
Merchants 1 National Bank, Boston, 



and Bonds. 

Par Value. 

$6,000 00 
5,000 00 
5,000 00 
5,000 00 

10,000 00 

900 00 

2,000 00 

5,000 00 

5,000 00 

5,000 00 

500 00 

500 00 

12,000 00 
1,000 00 
5,000 00 
2,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 

13,000 00 
6,000 00 
5,000 00 
5,500 00 

15,000 00 
3,000 00 
4,050 00 
7,300 00 
9,800 00 

10,000 00 
9,300 00 

10,000 00 

10,000 00 
7,500 00 
5,100 00 
1,600 00 
2,100 00 
3,000 00 



Market Value. 

$6,840 00 

6,550 00 

4,250 00 

5,250 00 

11,900 00 

891 00 

2,220 00 

4,050 00 

5,800 00 

5,250 00 

490 00 

500 00 

9,420 00 

1,040 00 

3,000 00 

10,800 00 

5,700 00 

12,300 00 

5,312 50 

10,400 00 

5,600 00 

13,425 00 

6,600 00 

5,200 00 

4,956 87 

16,200 00 

3,720 00 

5,427 00 

8,760 00 

12,740 00 

15,200 00 

12,810 75 

19,300 00 

10,000 00 

10,350 00 

7,089 00 

2,080 00 

2,514 75 

4,507 50 



$212,150 00 f278,444 37 



1800.] AND FIRE-MARINE INSURANCE COS. 125 



mmart of Assets Dec 
Stocks and bonds, as per Bchedule, . 
Cash in tin 1 office <>f the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Grass assets, 



31, 1890. 

$278,444 37 

306 85 

10,448 27 

3,095 80 

6,621 65 



$298,916 94 



Liabilities. 
J6S adjusted, unpaid, . 
9 claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$3,000 00 
4,000 00 

21,110 52 
444 16 
374 73 



28,929 41 

$269,987 53 

100,000 00 

$169,987 53 



Income. 

Marine premiums outstanding Dec. 31, 1889, . 810,239 54 
Premiums on risks written or renewed, . . 28,238 55 

Total, $38,478 09 

Premiums now in course of collection, . . 9,717 45 

Entire premiums collected, .... $28,760 64 
Less re-insurance and return premiums, . . 912 88 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Bank tax returned, 

Gross cash income, 



$27,847 76 

14,475 21 

1,590 17 

$43,913 14 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Xet cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



324,965 23 
4 61 



$24,960 62 
10,135 00 
1,877 62 
4,150 00 
2,226 00 
1,385 50 



Gross cash expenditures, 



$44,734 74 



126 MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 



Marine risks outstanding Dec. 81, 1889, 
Marine risks writ ten during 1890, . 

Total, 

Deducl risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 
$187,802 00 |20,815 49 
835^9 00 27,218 76 



$1,322,941 00 $48,034 25 
913,217 00 26,721 23 



$409,724 00 $21,313 02 
4,000 00 202 50 



$405,724 00 $21,110 52 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, . 



$1,525,670 00 

1,159,771 00 

27,961 00 

334,000 00 

10,000 00 

18,900 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced business lSol.] 
Faid-up Capital, $1,500,000. 



J. N. Dunham, President. 



S. J. Hall, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Wakefield ' Mass ), Water Company bonds, 
Ann Arbor (Mich ), Water Company bonds, 
Amherst (Mass ), Water Company bonds, 
Berkshire Water Company bonds, . 
West Springfield Aqueduct Company bonds, 
Kansas City, Si Jo. & Council Bluffs R R bonds 
Union Pacific Railroad ( Collateral Trust bonds 
Chicago A: Northwestern Railroad bonds, 
New York A: Harlem Railroad bonds, 
Chicago, Milwaukee & St. Paul Railroad bonds 
St. Paul, Minneapolis & Manitoba R'y bonds, 



Par Value. 

f 100,000 00 
50,000 00 
50,000 00 
10,000 00 
15,000 00 
25,000 00 

100,000 00 
47,000 00 
50,000 00 
10,000 00 
10,000 00 
50,000 00 



Market Value. 

$120,000 0.) 
60,000 00 
60,000 00 
16,000 00 
15,000 00 
25,000 00 
120,000 00 
49,820 00 
60,000 00 
13,000 00 
12,500 00 
58,000 00 



1890,] AND FIRE-MARINE INSUKANCE COS. 127 



Chicago, Burlington & Quincy Railroad bonds 
Detroit. Lansing & Northern Railroad bonds 
Chicago, Burlington & Northern R.R. bonds, 
Chicago, Burlington & Quincy Railroad bonds 

12(>() rights Boston & Albany Railroad, . 
1400 shares Boston & Albany Railroad, . 

500 " Connecticut River Railroad, . 

1200 " X. V., New Haven & I lartford R R 

500 " Old Colony Railroad, . 

1000 " New York & Harlem Railroad, 

1100 " Chicago, Burl. & Quincy R.R , 

550 " Chicago, Mil waukee&St.Paul R.R 

100 " Chicago, Milwaukee & SI Paul R.R 

GOO " Pennsylvania Railroad, . 

500 " Conn, and Passumpsic Rivers R R. 

500 " Chicago & Alton Railroad, . 

550 " Chicago, Rock Island & Pac. R.R. 

563 " Illinois Central Railroad, 

200 " Rome,Watertown & Ogdensb.R.R 

1C00 " West End Street Railway, . 

203 " Agawam \at*l Rank, Springfield 

200 " John Hancock N. B'k, Springfield 

104 " Chicopee Nat'l Bank, Springfield 

127 " Pynchon Nat'l Bank, Springfield, 

200 " Second Nat'l Bank, Springfield, 

200 " Third Nat'l Bank, Springfield, 

100 " City Nat'l Bank, Springfield, 

100 " Chapin Nat'l Bank, Springfield, 

200 " First Nat'l Bank, Springfield, 

75 " Ware Nat'l Bank, Ware, 

100 " First Nat'l Bank, Noithampton, 

100 " North't'n Nat'l B'k, Northampton 

10 " ]\lonson Nat'l Bank, Monson, 

65 " First Nat'l Bank, Chicopee, . 

250 " City Nat'l Bank, Holyoke, . 

20 " Adams Nat'l Bank, No Adams, 

67 " Franklin Co. Nat'l B'k, Greenfield 

37 " Palmer Nat'l Bank, Palmer, . 

50 " First Nat'l Bank, Lynn, 

100 " Tremont Nat'l Bank, Boston, 

100 " Boston Nat'l Bank, Boston, . 

100 " New England Nat'l Bank, Boston 

100 " Commonwealth Nat'l B'k, Boston 

60 " Winthrop Nat'l Bank, Boston, 

100 " Merchants' Nat'l Bank, Boston, 

100 " Atlas Nat'l Bank, Boston, . 

300 " Howard Nat'l Bank, Boston, . 



Tar Value. 

$10,000 00 

2,000 00 

11,000 00 

11,000 00 

24,000 00 

uo,oeo oo 

50,000 00 

120,000 00 

50,000 00 

50,000 00 

110,000 00 

55,000 00 

10,000 oa 

30,000 00 

50,000 00 

50,000 00 

55,000 00 

56,300 00 

20,000 00 

50,000 00 

20,300 00 

20,000 00 

10,400 00 

12,700 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

20,000 00 

7,500 00 

10,000 00 

10,000 00 

1,000 00 

6,500 00 

25,000 00 

2,000 00 

6,700 00 

3,700 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,000 00 

10,000 00 

10,000 00 

30,000 00 



Market Value. 

$8,700 00 

2,000 00 

11,000 00 

11,000 00 

24,000 00 

271,600 00 

110,000 00 

302,400 00 

82,500 00 

130,000 00 

99,000 00 

57,750 00 

5,200 00 

30,000 00 

58,000 00 

62,500 00 

38,500 00 

54,611 00 

21,000 00 

85,000 00 

24,360 00 

24,000 00 

17,160 00 

20,320 00 

30,000 00 

40,000 00 

14,000 00 

14,000 00 

29,000 00 

9,375 00 

14,000 00 

17,000 00 

1,500 00 

9,100 00 

27,500 00 

2,800 00 

6,700 00 

4,440 00 

6,750 00 

11,400 00 

12,000 00 

17,000 00 

18,000 00 

6,840 00 

15,000 00 

12,100 00 

33,000 00 



128 MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



Webster Nat 1 ] Bank, Boston, 
Boylston Nat'l Bank, Boston, 
Eliot Nat 1 ] Bank, Boston, 
Natl Bank of Commerce, Boston 
Shawmnt Nat'l Bank, Boston, 
Freeman's Nat'l Bank, Boston, 
Washington Nat'l Bank, Boston, 
Old Boston Nat'l Bank, Boston, 
Nat'l Exchange Bank, Boston, 
Nat'l Bank of Commerce, N. Y., 
Bank of North America, N. Y., 
Fourth Nat'l Bank, N. Y., . 
Continental Nat'l Bank, N. Y., 
Metropolitan Nat'l Bank, N. Y., 
St. Paul Nat'l B'k, St. Paul, Minn., 



Securities held as collateral for cash loans 

100 shares Nonotuck Paper Company, 

1 " Parsons Paper Company, 

15 " Park National Bank, New York, 

115 " West Springfield Aqueduct Co., 

30 " West Springfield Aqueduct Co., 

72 " Thompsonville (Ct ) Water Co., 

30 " Revere Water Company, 

100 " Holyoke Water Power Company, 



150 shares 


150 


u 


100 


ti 


100 


(i 


100 


M 


100 


tl 


100 


II 


100 


U 


100 


11 


100 


II 


100 


II 


200 


U 


200 


II 


200 


11 


100 


II 



Par Value. 

$15,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
7,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 



Market Value. 

$15,000 00 
20,250 00 
13,400 00 
1.1,700 00 
13,000 00 
10,700 00 
12,200 00 
12,000 00 
13,200 00 
20,000 00 

9,800 00 
35,000 00 
28,000 00 

1,600 00 
12,000 00 



,981,100 00 $2,741,276 00 



Market Value. Loaned Thereon. 



£17,500 00 

15,000 00 
4,500 00 

14,375 00 
3,750 00 
2,160 00 
2,250 00 

20,000 00 



$25,000 00 

1,500 00 
11,500 00 

5,000 00 

1,400 00 
14,000 00 



$79,535 00 $58,400 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
(ash in the office of the company, . 
Cash deposited in bank, .... 

Intciv-t due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross assets, 



31, 1890. 

$109,000 00 

314,950 00 

7,202 24 

2,741,276 00 

58,400 00 

9,207 56 

107,822 76 

26,493 01 

228,930 11 

865 &2 



$3,60 1,147 60 



* Value of lands mortgaged, 
Value of bulldlnga thereon, 
Amount ol Insurance held ai collateral, 



(193,800 00 
868,900 00 

1201,700 00 



1890.] AND FIRE-MARINE INSURANCE COS. 

Liabilities. 
ses adjusted, unpaid, .... 

Losses claimed and reported, . 

Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage. . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



129 



Surplus over capital, 



Income. 



Fire premiums outstanding; Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Xet cash paid for fire losses, 

Cash dividends paid. .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1889, . 
Fire risks written during 1890, . 



$63,310 49 
84,089 56 
25,834 72 




. $173,834 77 
7,865 87 




. $165,968 90 

. 1,248,488 93 

34,339 51 


$1,448,797 34 


• t • • 

. $194,736 80 
. 2,034,482 97 


$2,155,350 26 


$655,350 26 


. $2,229,219 77 
228,930 11 




. $2,000,289 66 
262,668 19 


$1,737,621 47 

14,538 78 

124,505 61 

4,270 20 


sources, . 



. $1,880,936 06 



. $1,013,774 


24 




48,150 


37 


$965,623 87 
150,000 00 


... 




. . 




303,528 39 


ss, 




65,445 95 


. . . 




63,129 11 


. 




164,782 66 


. 


$1,712,509 98 


rMS. 




Premiums. 


$181,306,154 00 $2,455,890 59 


150,702,440 


00 


2,034,482 97 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$332,008,594 
142,174,958 



00 $4,490,373 56 
00 2,061,597 76 



$189,833,636 00 $2,428,775 80 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire Losses incurred during the year, . 
( lash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, . 



$27,179,639 00 

16,670,801 00 

!H1,855 00 

2,504,542 00 

150,000 00 
169,900 00 



WELLFLEET MARINE INSURANCE COMPANY, WELLFLEET. 

[Incorporated Dec. 28, 1885. Commenced business Feb. 1, 1886.] 
Paid-up Capital, $100,000. 

Thomas Kemp, President. Chas. A. Collins, Secretary. 



80 sbar 


54 


t. 


93 


tt 


30 


tt 


30 


It 


23 


(t 


20 


(I 


25 


tt 


15 


It 


18 


tt 


10 


tc 


7 


It 


3 


It 


50 


tt 


100 


tt 


50 


tt 


50 


tt 


11 


tt 


10 


tt 



Detailed Statement of 

es Faneuil Hall Nat'l Bank, Boston, 
Union Market N'l Bank, Watertown 
Freeman's National Bank, Boston, 
Hide and Leather N'l Bank, Boston 
Manufacturers 1 Nat'l Bank, Boston 
First National Bank, Portland, 
Home National Bank, Brockton, 
First National Bank, Ayer, 
Blaekstone National Bank, Boston 
State National Bank, Boston, . 
Maverick National Bank, Boston, 
First Ward National Bank, Boston 
Republic National Bank, Boston, 
Commercial National Bank, Boston 
Third National Bank, Boston, . 
South End National Bank, Boston, 
Old Colony Railroad, 
Boston and Maine Railroad, . 
Ocean Insurance Co., Portland, 



Stocks. 

Par Value. 

$8,000 00 
5,400 00 
9,300 00 
3,000 00 
3,000 00 
2,300 00 
2,000 00 
2,500 00 
1,500 00 
1,800 00 
1,000 00 
700 00 
300 00 
5,000 00 
10,000 00 
5,000 00 
5,000 00 
1,100 00 
1,000 00 



Securities held as collateral for cash loans : — 

10 shares Wellfleet Marine Insurance Co , 

1 " Mercantile Wharf Co., 

3 " Old Colony R.R., .... 

5 " Cape Cod National Bank,. 
Loans on personal security, .... 



Market Value. 

$11,460 00 

8,100 00 

10,044 00 

3,900 00 

3,180 00 

2,300 00 

3,000 00 

2,750 00 

1,665 00 

2,268 00 

2,510 00 

917 00 

489 00 

• 4,750 00 

12,000 00 

5,100 00 

8,300 00 

2,178 00 

850 00 



$67,900 00 $85,261 00 



Excess of loan over market value, 
Loan of company's own stock, 



825 00 
825 00 



Market Value. 

1 1,000 00 
500 00 
498 00 
600 00 



$2,598 00 



Loaned Thereon. 

$325 00 
525 00 
300 00 
500 00 

2,860 00 

$1,510 00 
850 00 



$4,160 00 



U] AXD FIEE-MARINE INSURANCE COS. 131 



SUMMABT OF ASSETS DEC. 31, 1S90. 



Leans on mortgage of real estate (first liens*), 

Interest due and accrued 

Stocks. a< ]mt schedule 

Loans on collateral security, as per schedule, 

li in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risk-. 

Gross ass. 



►0 00 

43 75 

85,261 00 

4,160 00 

1,02* 

22,215 35 

00 

11,300 00 

35,455 83 



$161,164 15 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$8,000 00 

1,000 00 

34,647 89 



43,647 89 

8117,516 26 
100,000 00 

$17,516 26 



Income. 

Marine premiums collected, .... 
Less re-insurance and return premiums, . 

Net cash marine premiums received, . . 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 

Gross cash income, 



.674 02 
2,404 25 



$58,269 77 
105 00 

5,493 37 

1,868 14 



Expenditure-. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurauce, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for miscellaneous, .... 

Gross cash expenditures, . . . 



850,751 13 
3.470 45 



847.280 68 
6,000 00 
5,748 00 
1,579 88 
1,381 60 
669 78 

862,659 94 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$3,000 00 

1,200 00 

800 00 



132 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, . 

Xet amount in force, . 



$704,652 00 
1,522,544 00 

$2,227,196 00 

1,529,534 00 

$697,662 00 
10,689 00 



Premiums. 

$38,796 15 
59,871 96 

$98,668 11 
63,212 28 

$85,45o 83 

807 94 



$686,973 00 $34,647 89 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (6 per cent ), . 
Company's stock owned by directors, 



$263,135 00 

245,987 00 

39,280 00 

18,000 00 

6,000 00 

26,600 00 



0.] AND FIRE-MARINE INSURANCE COS. 



133 



AGGREGATE. 



riTAL Stock. 

Whole amount of capital actually paid up in cash. 



- it assets, 



Gross present liabilities, 



Assets. 



Liabilities 



Income. 

Cash actually received for fire premiums. 

actually received for marine premiums, . 

for interest and dividends from all sources. . 

from all other sources, 

Gross cash income, 

EXFEXPITrE" 

Cash actually paid during the year for fire los- 
actually paid during the year for marine 
dividends to Stockholm .... 

for brokerage and commissions on premiums. 
for salaries and pay of officers and employe 
for State aud local tax .... 

for office, agency aud incidental expenses, 

Gross cash expenditures. 

Miscellaneous. 

Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, . 
marine risks written during the year, . 
premiums charged or receivable thereon, . 
lire risks terminated during the year, . 
marine risks terminated during the year, . 
fire risks outstanding: at end of year, . 
marine risks outstanding at end of year, 
cash dividends declared during the year, . 
fire losses incurred during the year, . 
marine losses incurred during: the vear. 



- - 7.200 

- ,655,743 



I B,288 
1,21! I 

28,646 






S,062 
J. 4 44 

272 

874 
14,621,361 



|338,258 
4,006,580 

« -: 

1.496,908 

314,991,728 

90,125.410 
411.095,906 

14.64o.242 

134 :. 7 
1,01( v : 



FIRE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1890. 



136 FIRE, MARINE, AND FIRE-MARINE [Dec. 3 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



".ETNA INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business August, 1819.] 
Paid-up Capital, $4,000,000. 

Jotham Goodnow, President. A. C. Bayne, Secretary. 



Detailed Statement of 

United States bonds, . 
Alabama State bonds, 
Georgia State bonds, . 
Mississippi State bonds, . 
New Hampshire State bonds, . 
Rhode Island State bonds, 
South Carolina State bonds, 
Tennessee State bonds, 
Hartford County, Conn., bonds, 
Hudson County, N. J., bonds, . 
Barkbamsted, Conn , town bonds, 
Norwich, Conn , town bonds, . 
Pawtucket, R. I., town bonds, . 
"Windsor Locks, Conn , town bonds, 
Bloomington, HI., city bonds, . 
Boston, Mass , city bonds, 
Brooklyn, N. Y , city bonds, 
Buffalo, X. Y., city bonds, 
Cleveland, Ohio, city bonds, 
Cincinnati, Ohio, city bonds, . 
Chicago, III., city bonds, . 
Columbus, Ohio, city imp. bonds, 
Corry, Pa , city bonds, 
Dallas City, Oregon, water bonds, 
Detroit, Mich , city bonds, 
Fort Wayne, [nd,city bonds, . 
Glenville, Ohio, village bonds, . 
Hamilton, Ohio, City (las Works bonds, 
Hartford, ( !onn., city bonds, 
Indianapolis, Ind., city bonds, . 

Jersey ( "it\ . X. .1 , . 

Kansas ( !ity, imp city bonds, . 



Stocks and Bonds. 

Tar Value. 

$100,000 00 
10,000 00 
25,000 00 
11,000 00 
48,000 00 
43,000 00 
15,000 00 
31,000 00 
21,000 00 
6,000 00 
4,000 00 
100,000 00 
100,000 00 
20,000 00 
20,000 00 
50,000 00 
9,000 00 
50,000 00 
25,000 00 
30,000 00 
30,000 00 
50,000 00 
10,000 00 
25,000 00 
30,000 00 
25,000 00 
29,006 00 
25,000 00 
9G,000 00 
50,000 00 
15,000 00 
60,000 00 



Market Value. 

$120,000 00 
10.500 00 
30,600 00 
12,650 00 
60,000 00 
46,440 00 
15,750 00 
20,770 00 
21,000 00 
6,000 00 
4,000 00 
137,000 00 
115,ou0 00 
21,600 00 
21,4<)o 00 
57.500 00 
10,260 00 
65,OU0 00 
27,500 00 
33,000 Ou 
83,600 00 
55.000 00 
10,000 00 
27,500 00 
32,100 00 
28,250 00 
81,900 00 
2(1,250 00 
105.(100 00 
56,500 00 
15,450 00 
66,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



137 



Lockport, N. Y r , city bonds, 

Montreal, Can., corporation slock, . 
Montreal, Can , harbor bonds, . 
Newark, N. J , city bond-. 
New Brunswick, N. J., city bonds, . 

Ottumwa, la., city bonds 

Providence, K. I., city bonds, . 

Kahway, X. J., city bonds, 

Richmond, Va., city bond-. 

Rochester, X. V , city bonds, . 

St. bonis, Mo , city gold bonds, 

Toledo, Ohio, city bonds 

Topeka, Kansas, city bonds, 
Urbana, Ohio, city bonds, .... 
Chamber of Com. Safety Vault bonds, Chic , 
Central Safety Deposit bonds, Chicago, . 
Tacoma Safety Deposit bonds, Chicago, . 
Independ't School Dist., Blakesburg, la., bonds 
Independent School Dist, Chelsea, la., bonds 
Independent School Dist , Ottumwa, la., bonds 
Independ't School Dist , State Centre, la., b'ds 
North Bast School Dist , Hartford, Conn , b'ds 
School Dist. No. 2, Enfield, Conn., bonds, 
School Dist . 24, Woodbridge, N. J., bonds, 
state of 111 , Mason & Tazewell Drain. Dist b'ds 
Albany Oc Susquehanna Railroad bonds, . 
Alabama Central Railroad bonds, . 
Atchison, Colorado and Pacific Railroad bonds 
Buffalo and Erie Railroad bonds, 
Canadian Pacific Railway Co , land grant, 
Chesapeake & Ohio Railroad bonds, 
Cleveland, Col.Cin. & Indianapolis R.R. bonds 
Cleveland, Painsville & Ashtabula R.R. bonds 
Chicago, Burlington & Quiney Railroad bonds 
Chicago, Mil. & St. Paul R.R*, first bonds, 
Chicago & Northwestern R.R , first bonds, 
Chicago, R. I. and Pacific Railroad bonds, 
Chicago and West Indiana Railroad bonds, 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Columbus and Toledo R.R. second bonds, 
Dayton and Western Railroad bonds, 
Delaware and Hudson Canal Co. bonds, . 
Flint and Pere Marquette bonds, 
Harlem River and Port Chester Railroad bonds 
Iowa Midland Railroad bonds, 
Jackson, Lansing and Saginaw Railroad bonds 
Kansas Pacific Railroad bonds, 
Keokuk and Des Moines Railroad bonds, 



Par Value. 

$25,000 00 
19,000 00 
4,000 00 
50,000 00 
29,000 00 
10,000 00 
50,000 00 
45,000 00 
44,050 00 
25,000 00 
50,000 00 
18,000 00 
25,000 00 
25,000 00 
35,000 00 
50,000 00 
50,000 00 
1,000 00 
1,500 00 
15,000 00 
5,000 00 
20,000 00 
4,000 00 
11,000 00 
9,000 00 
100,000 00 
25,000 00 
50,000 00 
46,000 00 
100,000 00 
25,000 00 
85,000 00 
32,000 00 
127,200 00 
195,000 00 
155,000 00 
160,000 00 
44,000 00 
32,000 00 
14,000 00 
28,000 00 
55,000 00 
50,000 00 
150,000 00 
25,000 00 
57,000 00 
25,000 00 
40,000 00 



Market Value. 

f 30,500 00 

21,280 00 

4,080 00 

57,000 00 

31,170 00 

10,000 00 

60,000 00 

11,250 00 

51,165 00 

28,000 00 

55,000 00 

21,130 00 

26,250 00 

27,500 00 

36,750 00 

52,500 00 

55,000 00 

1,000 00 

1,500 00 

15,000 00 

5,000 00 

20,000 00 

4,000 00 

11,550 00 

9,900 00 

124,500 00 
28,750 00 
50,000 00 
53,360 00 

110,000 00 
18,000 00 

104,950 00 
32,960 00 

140,950 00 

240,000 00 

202,400 00 

183,800 00 
49,280 00 
40,000 00 
15,680 00 
31,640 00 
68,500 00 
52,000 00 

196,000 00 
32,500 00 
57,640 00 
27,500 00 

42,000 00 



138 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Lake Shore Railroad bonds, 
Lake Shore & Michigan Southern R II. bonds 
Louisville, New Albany and Chicago bonds, 
Louisiana and Mo River Railroad bonds, 

Memphis and Charleston Railroad bonds, 
Mahoning Railroad, Coal bonds, 
Michigan Central Railroad bonds, . 
Minneapolis and St. Louis Railroad bonds, 
Minneapolis Union Railroad bonds,. 
Morris and Essex Railroad bonds, . 
New York Central Railroad bonds, . 
Now York Central & Hudson River R.R. bonds 
New Y'ork and Harlem Railroad bonds, . 
New l r ork, Lake Erie & Western R.R. bonds 
New Ybrk.and New England Railroad bonds 
Norfolk and Western Railroad bonds, 
Northwestern Union Railroad bonds, 
Oswego Railroad Bridge bonds, 
( Hrio and West Virginia Railroad bonds, . 
Pittsburgh, Ft. Wayne & Chicago R.R. bonds 
St Paul, Minneapolis & Manitoba R.R. bonds 
St. Paul & Northern Pacific Railroad bonds, 
St. Paul and Sioux City Railroad bonds, . 
St. Louis and Iron Mountain bonds, . 
Vermont Valley Railroad bonds, 
Wabash Railroad bonds, .... 
West Shore Railroad bonds, 
Atlantic Dock Company' bonds, 
Loan and Guarantee Co. of Connecticut bonds 
Atlantic Mutual Insurance Company scrip, 
50 shares Connecticut River Company, 
500 " Albany & Susquehanna Railroad, 
150 " Central Ohio Railroad, . 
500 " Cleveland, Cin., Chic. & St. L. R.R. 
1000 " Cleveland & Pittsburgh Railroad 
220 " Chic , Burlington & Quincy R.R, 
220 " Chic, Rock Island & Pacific R.R. 
300 " Connecticut River Railroad, . 
500 " Conn. & Passumpsic Rivers RR., 
300 " Dayton & Michigan Railroad, 
Inn " Fort Wayne & Jackson Railroad, 
LOO " Joliet and Chicago Railroad, 
200 " Kalamazoo, Allegan & C. R, R.R 
200 " Keokuk and Des Moines Railroad 
1000 " Morris and Essex Railroad, . 
800 " New York Cent. & U\u\. Riv. R.R. 
500 " New York and Harlem Railroad, 
1200 " X. York, N. Haven & Hart. R.R. 



Tar Value. 

$30,000 00 
95,000 00 
25,000 00 
25,000 00 
25,000 00 
30,000 00 
50,000 00 
25,000 00 
50,000 00 

160,000 00 
37,000 00 

175,000 00 
10,000 00 
45,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
26,000 00 

196,000 00 
16,000 00 
50,000 00 
20,000 00 
10,000 00 
50,000 00 
25,000 00 
50,000 00 
31,000 00 
10,000 00 
38,000 00 
5,000 00 
50,000 00 
7,500 00 
50,000 00 
50,000 00 
22,000 00 
22,000 00 
30,000 00 
50,000 00 
15,000 00 
40,000 00 
10,000 00 
20,000 00 
20,000 00 
50,000 00 
80,000 00 
25,000 00 

120,000 00 



Market Value. 

136,000 00 

116,050 00 
^7,500 00 
30,000 00 
81,250 00 
33,000 00 
62,500 00 
22,500 00 
58,500 00 

211,000 00 
38,110 00 

232,750 00 
12,700 00 
61,650 00 
62,500 00 
59,000 00 
33,500 00 
60,000 00 
29,640 00 

281,330 00 
18,880 00 
61,000 00 
24,400 00 
10,000 00 
53,500 00 
25,500 00 
51,000 00 
34,100 00 
10,000 00 
38,000 00 
1,000 00 
82,500 00 
7,500 00 
47,500 00 
78,500 00 
19,580 00 
15,620 00 
64,500 00 
57,500 00 
24,000 00 
46,400 00 
15,000 00 
23,000 00 
8,400 00 
77,500 00 
81,600 00 
67,500 00 

306,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



139 



500 -hares Northwest Telegraph Company, 



Par Value. Market Value 

$25,000 00 $25,000 00 

750 Pitts, Ft Wayne & Chicago R.R., 75,000 00 117,750 00 

150 M Peoria & Bureau Valley K.R., . 15,000 00 25,500 00 

200 " Rensselaer A: Saratoga Railroad, . 20,000 00 36,000 00 

" Valley (New Fork), Railroad, . 20,000 00 22,000 00 

200 " ^Jtaa N'l Bank, Hartford, Conn., 20,000 00 22,000 00 

200 " American N'l Bank, Hart., Conn., 10,000 00 14,000 00 

400 " Charter Oak N'l Bank, Hart,Conn., 40,000 00 42,800 00 

160 u City Bank, Hartford, Connecticut, 16,000 00 16,800 00 

150 " Conn. Riv. B'k'g Co., Hart., Conn., 7,500 00 7,650 00 

887 " Farmers'* Mech. N'l Bank, Hart., 33,700 00 37,070 00 

200 " First National frank, Hart., Conn., 20,000 00 21,600 00 

1000 " Hartford Nat'l Bank, Hart, Conn., 100,000 00 157,000 00 

550 " N'l Exchange Bank, Hart., Conn., 27,500 00 35,750 00 

1000 " Phcenix Nat'l Bank, Hart., Conn., 100,000 00 130,000 00 

550 " State Bank, Hartford, Conn., . 55,000 00 55,000 00 

400 " American Exch. Natl Bank, N.Y, 40,000 00 60,000 00 

400 " Bank of the Manhattan Co., X. Y., 20,000 00 36,000 00 

300 " B'kof N. V. N'l B'k'g Asso.,N. Y., 30,000 00 73,500 00 

200 " Bank of North America, N. Y., . 14,000 00 21,000 00 

100 M Hanover National Bank. N. V., . 10,000 00 35,000 00 

300 " Imp. and Traders 1 Nat'l Bk.X.Y., 30,000 00 171,000 00 

100 " Market and Fulton Nat'l B% N.Y., 10,000 00 24,000 00 

700 " Merchants' National Bank, N. Y., 35,000 00 56,000 00 

120 " Merchants' Exch. Nat'l B'k,N.Y., 6,000 00 7,680 00 

1200 " Mechanics 1 National Bank, N. Y., 30,000 00 64,500 00 

400 " Metropolitan National Bank, N.Y, 40,000 00 4,000 00 

200 " Nassau Bank, New York, . . 10,000 00 17,000 00 

500 " National Bank of Commerce, N.Y., 50,000 00 97,500 00 

150 " National B'kof the Republic, N.Y., 15,000 00 28,500 00 

300 " Nat. Butchers 1 & Drovers' B^N.Y., 7,500 00 13,875 00 

100 " National City Bank, New York, . 10,000 00 51,000 00 

300 " Phenix National Bank, N. Y., . 6,000 00 8,400 00 

200 " People's Bank, New York, . . 5,000 00 13,750 00 

100 " Third National Bank, New York, 10,000 00 11,500 00 

250 " Farm and Mech. Natl B'k, Phila., 25,000 00 40,500 00 

100 " First National Bank, Albany, N.Y., 10,000 00 18,000 00 

200 " Mechanics 1 Bank, St. Louis, Mo., . 20,000 00 40,000 00 

100 " New Britain N T, 1 B'k, N. B , Conn., 10,000 00 16,000 00 

200 " American Loan & Trust Co., N.Y., 20,000 00 20,600 00 

100 " Central Trust Company, N. Y., . • 10,000 00 130,000 00 

100 " Holland Trust Company, N. Y , . 10,000 00 21,500 00 

100 " Metropolitan Trust Co., N. Y., . 10,000 00 29,000 00 

150 " N.Y. Life Ins. and Trust Co., NY., 15,000 00 108,750 00 

100 " United States Trust Co., N. Y., . 10,000 00 80,000 00 

100 " Union Trust Company, N. Y., . 10,000 00 77,500 00 



$6,662,450 00 §8,858,890 00 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans: — 



Market Value. Loaned Thereon. 



7 shares Second Natfl B'k, Springfield, Mass., $1,050 00 



25 " National Bank of Commerce, N. Y., 

25 " Mechanics' National Bank, N. Y., 

3 " Chicago, Burlington & Quincy R. R., 

18 " Union Pacific Railroad, 

11 " Atchison, Topeka & Santa Fe R.R., 

2 " National New Haven Bank, 

10 " N. York & N. Jersey Telephone Co., 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other states, . 



5,000 00 ) 
1,312 50 S 
267 00 >i 
792 00 I 
330 00 
316 00 
850 00 J 



$540 00 
3,600 00 

2,430 00 



Balance, 



$9,917 50 * 


$6,570 00 


31, 1890. 




$275,000 00 




43,000 00 




395 14 




8,858,890 00 




6,570 00 




6,274 76 




766,010 55 




539 25 




560,953 92 




4MO K17 «QO £0 


qpi 


W,VX I |WUU \>u 


. 


264,425 00 



$10,253,208 62 



Liabilities. 



Losses, adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits,. 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



$10,214 06 

207,423 79 

11,100 00 

$228,737 85 
14,245 83 

$214,492 02 

2,297,357 76 

27,242 80 

93,619 82 

47,586 55 

$2,680,298 95 
113,383 37 



2,566,915 58 

$7,686,293 04 
4,000,000 00 

$3,686,293 04 



* Value of Lahde mortgaged, 
Value of building! thereon, . 
Amount <>f Insurance held ae collateral, 



$59,000 00 
.")8,500 00 
34,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



141 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 



Gross cash income, 



$413,160 10 
3,398,740 77 

$3,811,900 87 
486,455 72 



$3,325,445 15 
388,980 19 

$50,203 14 
191,978 15 

$242,181 29 
74,498 20 

$167,683 09 
35,651 53 



$2,936,464 96 



sources, 



132,031 56 
2,275 00 

433,619 48 
4,124 50 



5,501 70 



$3,508,515 50 



Expenditures. 

Cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Cash dividends paid, . .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$502 20 



$1,512,543 30 
77,764 13 
720,000 00 
500,132 88 
190,504 93 
57,973 41 
212,805 71 

$3,271,724 36 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

^Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . .» 

Perpetual risks in force (included above), 



Premiums. 

^4,071,324 46 
3,398,740 77 



\7 ,470,065 23 
2,953,456 73 



$341,241,273 00 
278,830,639 00 

$620,071,912 00 
246,682,599 00 

$373,389,313 00 
13,282,285 00 

$360,107,028 00 $4,354,598 12 
1,164,800-00 28,676 26 



14,516,608 50 
162,010 38 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums. 

Marine risks outstanding Dec. 81, 1889, . . $1,163,613 00 $32,118 75 



Marine risks written during 1890, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



. 88,678,096 00 191,978 15 



$89,841,709 00 $224,096 90 
88,070,775 00 173,064 31 



. $1,770,934 00 $51,032 59 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (18 per cent.), 
Company's stock owned by directors, .... 



$113,748,486 00 

66,271,633 00 

1,528,833 00 

65,735 00 

18,593,365 00 

720,000 00 

399,600 00 



" AGRICULTURAL INSURANCE COMPANY," WATERTOWN, N. Y. 

[Incorporated 1853.* Commenced business 1853.J 
Paid-up Capital, $500,000. 



Jean R. Stebbins, President. 



H. M. Stevens, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

United States bonds, $2,000 00 f 2,065 00 

Union Pacific R R. bonds, 2,000 00 2,240 00 

Kingston city bonds, 147,700 00 159,516 00 

Richmond city bonds, 25,000 00 25,000 00 

Dexter Sulphite & Paper Company bonds, . 5,000 00 5,000 00 

New York Central & Hudson River R.R. stock, 60,000 00 60,600 00 

Illinois Central R.R stock, .... 21,70000 20,96000 

Western Union Telegraph stock, . . . 35,000 00 26,950 00 

National Union Bank stock, .... 13,600 00 19,550 00 

Watertown National Bank stock, . . . 5,000 00 7,000 00 

Excelsior Carriage Company stock, . . 2,500 00 2,500 00 



$319,500 00 $331381 00 



Securities held as collateral for cash loans : — 

Bagley & Sewall Company stock, . 
Cold Creek Water Company stock, . 
Cold Creek Water Company bonds, 
STale National Bank stock, 
Newark, Ohio, Water Company bonds, 



Market Value. 

$23,700 00 

10,000 00 

15,000 00 

8,450 00 

5,000 00 



Loaned Thereon. 

$10,000 00 

11,825 00 

3,000 00 
2,700 00 



* Organizi d an mutual is.">:;. Incorporated ae stock 1863. 



1890.] 



INS. COS. OF OTIIKK STATES. 



143 



Ogdensburg & Lake Champlain R 11. bonds, 
Chicago & Alton K.K stock, 
Watertown National Bank stock, 
Watertown Spring Wagon Company >tock, 
National Union Bank stock, 
Mortgages assigned. .... 

Watertown Spring Wagon Company stock, 
Winslow & Knapp Lumber Company stock, 
Watertown National Bank stock, 

Mortgage assigned, 

Wilna town bonds, ..... 
Clayton town bonds, . . - . 



Market Value. 

f 4,000 00 

5,9-40 00 
2,100 00 

15,000 00 
5,300 00 
6,500 00 

10,500 00 
8,000 00 
1,400 00 
3,075 00 
1,200 00 
600 00 



Loaned Thereon. 
$2,000 00 
99 91 
1,200 00 
6,000 00 
1,700 00 
6,050 00 

7,000 00 
2,482 21 
1,500 00 



$115,765 00 $59,357 12 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $2,042,082 86 



$151,130 62 

1,325,872 70 

46,947 47 

331,381 00 

59,357 12 

4,103 80 

195,303 85 

3,243 51 

92,575 05 

16,683 74 



$2,226,598 86 
184,516 00 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks 
Dividends to stockholders, unpaid, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



§26,189 57 

26,797 95 

21,178 09 

1,279,712 16 

25 00 

18,515 00 

'1,372,417 77 
145,000 00 



1,227,417 77 



$814,665 09 
500,000 00 

$314,665 09 



* Total value of property mortgaged, $2,874,798 00 



Ill FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 



Income. 

Fire premiums outstanding Dee. 81, 1889, 

Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash lire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 



$104,265 49 
980,093 71 

1,084,359 20 
109,258 79 

1975400 41 

139,703 65 



sources, 



$835,336 76 

80,515 15 

23,855 34 

3,476 25 

$943,183 50 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$465,721 15 

50,015 00 

194,246 75 

98,918 02 

16,536 56 

63,036 82 

$888,474 30 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

rromiiims. 

$247,533,170 00 $2,402,121 87 
.103,765,582 00 980,093 71 



Total 

Deduct risks expired and terminated, 

Id force at end of year, 

Deduct amount re-insured, 

Net amount in force, 



f 35 1,298,752 00 $3,382,215 58 
. 96,161,244 00 871,128 03 



$255,137,508 00 $2,511,087 55 
. 8,479,900 00 81,856 00 



$246,657,608 00 $2,429,231 55 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$14,560,307 00 
6,824,398 00 

473,908 00 

830,000 00 

50,000 00 

234,100 00 



1890.] 



[NS. I OS. OF OTHER STATES. 



14.1 



"ALBANY INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated March B, 1*11. Commenced business March 16, 1S11. 
Reorganized June 1, M 

Paid-up Capital, $250,000. 

John Howard King, President. John E. McElrot, v 



Dftailfi> Statfmf.nt of B<»n; 

Par Value. 

Watervliet Turnpike & Railroad Co bonds, . $6,000 00 
\ rthern Pacific Railroad bonds, ... 

Milwaukee & St. Paul Railroad bonds, . . 1". » 00 

Albany A Susquehanna Railroad bonds . 25,000 00 

a\ si Shore Railroad bonds 55,0<X) 00 



New York Central A Hudson Riv. R R bonds, 

ties held as collateral for cash loans : - 

Grand Trunk Railroad bond- 



00 



Market Value. 

-0 00 
25 00 
29,12S 

'0 CO 
53 1 - 



f 166,000 00 | 

rket Value. Loaned That 

$500 00 $300 00 



Summary or Assets Dec. 31, 1890. 
Loans on mortgage of real estate (first liens*), $243,150 00 
Interest due or acerued thereon. 
Bonds, as per schedule, .... 
Loan on collateral security, as per schedule, 
Cash in the office of the company. . 
Cash deposited in bank, .... 
Interest due and accrued. .... 
Premiums in course of collection (gTOSs), 
Notes taken for fire risks, 
Premiums due from other companies, 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
iTnearned premiums on outstanding risks. 
Due and accrued for rent, salaries, etc., 
State and local taxes, 

Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



8,299 63 




176,537 50 




300 00 




3,400 63 




•2.331 40 




64 




350 18 




- 33 




200 00 






1429^31 67 




$7,805 69 




-.264 15 




382 97 




3,298 68 






69.751 49 



$360,080 18 
250,000 00 

§110,080 18 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$209,450 00 
337,250 00 
230,700 00 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Gross cash income, 



$196 10 
37 50 

$158 60 
8,783 25 

,9-41 85 
198 33 



$88,743 52 
6,438 80 



sources, . 



$82,304 72 

11,153 64 

7,889 64 

2,666 03 

$104,014 03 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

lor State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$52,709 57 
2,086 62 



$50,622 95 

20,000 00 

13,510 52 

8,202 36 

3,747 20 

2,488 15 

$98,571 18 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$12,785,232 00 $109,928 12 
9,723,060 00 88,783 25 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$22,508,292 00 $198,711 37 
9,-381,643 00 82,604 81 



$13,126,649 00 $116,106 56 
340,284 00 2,480 03 



$12,786,365 00 $113,626 53 



Miscellaneous. 
Premiums received since reorganization, 
Losses paid since reorganization, 
Fire losses incurred during the year, 
Cash dividends declared since reorganization, 
Dividends declared during the year (8 per cent.), 
Company's stock owned by directors, 



$777,339 00 

404,175 00 

47,775 00 

200,000 00 

20,000 00 

59,300 00 



1890.] 



INS. COS. OF OTHER STATES. 



147 



"THE ALLIANCE INSURANCE ASSOCIATION OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated April 19, 1887. Commenced business April 21, 1887.] 
Paid-up Capital, $200,000. 



James Yereance, President. 



Armstrong Maltbie, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

New York city bonds, $200,000 00 

United States treasury notes, .... 15,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 25,000 00 

United New Jersey R.R. & €anal Co. bonds, . 20,000 00 

Long Island Railroad stock, .... 10,000 00 

Pittsburgh & Western Railroad bonds, . . 10,000 00 

Ulster & Delaware Railroad bonds, . . . 10,000 00 

West Shore Railroad bonds, .... 10,000 00 

Nassau Gas Light Company scrip, . . . 6,000 00 



$306,000 00 
Summary of Assets Dec. 31, 1890. 



Stocks and bonds, as per schedule, . 
('ash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Due and accrued for rents, salaries, etc., . 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$325,645 00 

23,136 37 

5,762 49 

2,338 00 

18,769 93 



$9,200 00 

114,765 38 

291 67 

3,753 99 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $ 14,545 98 

Premiums on risks written or renewed, . . 221,060 17 

Total, $235,606 15 

Premiums now in course of collection, . . 18,769 93 

Entire premiums collected, . . . . $216,836 22 

Less re-insurance and return premiums, . . 44,865 73 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 



Market Value. 

$219,750 00 

15,000 00 

26,500 00 

22,000 00 

8,575 00 

7,700 00 

10,000 00 

10,000 00 

6,120 00 

$325,645 00 



$375,651 79 



128,011 04 



$247,640 75 
200,000 00 



:7,640 75 



$171,970 49 
10,607 40 



Gross cash income, $182,577 89 



lis FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$108,561 49 
3,727 95 



Gross cash expenditures, 



$104,833 54 

43,080 94 

18,780 20 

4,393 61 

18,337 47 

$189,425 76 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$61,059,443 00 $261,840 78 
. 41,904,831 00 221,060 17 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$102,964,274 00 $482,900 95 
. 44,659,453 00 222,756 19 



.$58,304,821 00 $260,144 76 
. 6,155,273 00 30,614 00 



. $52,149,548 00 $229,530 76 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Company's stock owned by directors, 



$693,426 00 

355,438 00 

95,424 00 

32,000 00 



AMERICAN INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 
Paid-up Capital, $600,000. 



F. II. Harkis, President. 



James H. Woruen, Secretary. 



Detailed Statement of Bonds. 

Par Value 
I faited Slates bonds, ...... 

North Hudson County, N. J., Railway bonds, , 
United X»\\ .J< rsej R.R, & Canal Co. bonds, , 



Market Value. 

$200,000 00 $238,000 00 

100,000 00 105,000 00 

50,000 00 53,625 00 



$350,000 00 &396,625 00 



1800.] 



INS. COS. OF OTHER STATES. 



149 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Bonds, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued 

Company's stock owned, . . $140,000 00 

Premiums more than 3 mo. due, 583 06 

Gross assets, 

Liabilities. 
3es adjusted, unpaid, . 
Losses claimed and reported, . 
s disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Xet amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Dividends to policy-holders unpaid, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Xet collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now iu course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Xet cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . 

Gross cash income, 



31, 1890. 

$313,807 72 

1,319,039 83 

19,977 05 

396,625 00 

2,564 40 

22,807 50 

3,166 67 

35,382 45 

2,518 52 



$2,115,889 14 



$16,813 83 

14,980 11 

2,350 68 

$34,144 62 
2,043 82 

$32,100 80 

400,077 79 

5,096 40 

6,499 42 

3,535 00 



- 447,309 41 

. $1,668,579 73 
600,000 00 

. $1,068,579 73 



$29,043 39 
740 35 

$28,303 04 
549,500 35 

$577,803 39 
35,965 51 

$541,837 88 
93,913 15 



sources, 



$447,924 73 

67,141 33 

23,957 17 

5,640 57 

$544,663 80 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$3,172,435 00 
1,535,583 00 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash dividends paid stockholders, . 
(ash dividends paid policy-holders, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890,. 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



f22G,287 39 
13,729 12 



,113,331 00 
71,050,000 00 



151,163,331 00 
54,590,183 00 



,573,148 00 
3,373,804 00 



$212,558 27 
60,376 00 
3,404 00 
76,872 89 
46,318 91 
15,996 01 
35,461 38 

$450,987 46 



Premiums. 

$759,982 62 
549,500 35 



1,309,482 97 
510,484 96 

$798,998 01 
33,543 33 



. $93,199,344 00 $765,454 68 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, . . . . 



<6,699,559 00 

2,474,653 00 

206,527 00 

1,731,210 00 

60,000 00 

46,950 00 



AMERICAN CENTRAL INSURANCE COMPANY," ST. LOUIS, MO. 

[Incorporated February, 1853. Commenced business February, 1853.] 
Paid-up Capital, $600,000. 



George T. Cham, President. 



Charles Christensen, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Missouri Stale bonds, $90,000 00 $100,000 00 

St. Louis Merchants' Bridge Company bonds,. 75,000 00 75,000 00 

North Missouri Railway bonds, . . . 25,000. 00 28,000 00 

Missouri Pacific llailway bonds, . . . 25,000 00 25,000 00 

Laclede Gas Company bonds, . . . . 28,000 00 20,000 00 

si Louis County park bonds, .... 15,00000 18,000 00 

Jerseyville, 111., bonda 15,000 00 15,000 00 

Madison County, 111., ferry bonds, . . . t,000 00 4,400 00 

De Soto, Mo , bonda 3,500 00 3,500 00 



>0.] 



[NS. COS. OF OTHER STATES. 



151 



Peirce City, Mo., school bonds, 

Lafayette County, Mo., bonds, . 

Miss. County, Mo., Bchool bonds, 

National Bank of Commerce, St Louis, -tock 

Commercial Bank, St. Louis, stock, . 

Third National Bank, SI Louis, stock, 

Mechanics 1 Bank, St Louis, stock, . 

Boatmen's Bank, St. Louis, stock, 

Si Louis National Hank. St Louis, stock, 

Laclede Gas Company, St Loins, stock. . 



S nrities held as collateral for cash loans: — 

Broadway Real Estate Company stock, . 
American Brake Company stock, 
Laclede Building Company bonds, . 



Par Value. 

12,800 00 

1,700 00 

600 00 

.000 00 

10 000 00 

28,800 00 

11,100 00 

10,000 00 

5,000 00 

4,800 00 



Market Value. 

$2,800 00 

» 00 

270,000 00 

45,000 00 

• 00 

22, 

14,000 00 
8,000 00 
3,000 00 



• $684,000 



Market Value. Loaned Thereon. 



$150,000 00 

ls,000 00 

.500 00 



$75,000 00 
12,000 00 
45 000 00 



$218,500 00 $132, 



Simm.vry of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $500,000 00 

Loans on mortgage of real estate (first liens*), 11,000 00 

Storks and bonds, as per schedule, . . . 684.000 00 

Loans on collateral security, as per schedule, . 132,000 00 

Cash in the office of the company, . . . 5,974 71 

Cash deposited in bank, 65,701 79 

Premiums in course of collection (gross), . 73,405 38 

Gross assets, 



$1,472,081 88 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losse-. 

L'nearned premiums on outstanding risks 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$12,498 15 

26,621 28 
11,843 70 

$50,963 13 
8,241 31 



842,721 82 

456,806 94 

11,010 80 



510.539 56 

§961,542 32 

600,000 00 

6361.542 32 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$18,000 00 
5,000 00 
5,000 00 



152 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 81, 1889, . $94,017 25 
Premiums on risks written or renewed, . . 690,342 70 

Total, $784,359 95 

Premiums now in course of collection, . . 73,405 38 

Entire premiums collected, .... $710,954 57 
Less re-insurance and return premiums, . . 116,574 95 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, 

Gross cash income, 



$594,379 62 
38,501 41 
26,207 25 

$659,088 28 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$310,042 62 
23,547 19 



f286,495 43 
57,000 00 
82,347 43 
50,815 00 
13,425 49 
83,043 17 

$573,126 52 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, . 



Risks and Premiums. 

Premiums. 

.$64,034,292 00 $839,226 16 
. 54,876,589 00 690,342 70 



Total,. ..... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$118,910,881 00 $1,529,568 86 
. 48,060,601 00 614,413 13 



.$70,850,280 00 $915,155 73 
. 2,715,604 00 39,338 48 



$68,134,676 00 $875,817 25 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

I >i\ idends declared during the year (9} 2 per cent.), 

Company's stock owned by directors, . 



$12,095,970 00 

6,247,429 00 

279,268 00 

867,972 00 

57,000 00 

64,275 00 



1890.] 



IN r S. COS. OF OTHER STATES. 



153 



"AMERICAN FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 
Paid-up Capital, $400,000. 



David A dee, President. 



Wm. H. Crolius, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 

Delaware & Hudson Canal Companj- bonds, 
St. Louis & Iron Mountain Railroad bonds, 
West Shore Railroad bonds, 
Lake Gas Company (Chicago) bouds, 
Consolidated (ias Company stock, . 
Rensselaer & Saratoga Railroad stock, 
National Bank of Commerce stock, . 
American Exchange National Bank stock 
Bank of State of New York stock, . 
Merchants 1 National Bank stock, 
Third National Bank stock, 
Phoenix National Bank stock, . 
Mercantile Trust Company stock, . 
Delaware & Hudson Canal Company stock, 
New York Central & Hudson River R.R. stock 
Manhattan Railway Company stock, 
Western Union Telegraph Company stock, 
Delaware, Lackawanna & Western R.R. stock, 



Rensselaer & Saratoga R R., . 
Hudson River Bank, New York, 
Standard Oil Trust,. 
Great Northern R.R., 
Pullman Palace Car Company, 
Missouri Pacific R.R., 
Lake Erie & Western R.R., 
Distilling and Cattle Feed Company, 



and Bonds. 

Par Value. 

$300,000 00 
50,000 00 
10,000 00 
25,000 00 
30,000 00 
71,000 00 
40,000 00 
10,000 00 
35,000 00 

6,000 00 
20,000 00 
10,000 00 

4,000 00 
10,000 00 
30,000 00 
20,000 00 
50,000 00 
50,000 00 
20,000 00 



Market Value. 

$367,500 00 
51,750 00 

9,100 00 
25,625 00 
31,200 00 
67,450 00 
72,000 00 
19,800 00 
52,50 > 00 

6,900 00 
32,000 00 
10,600 00 

5,600 00 
30,000 00 
39,600 00 
20,600 00 
49,000 00 
38,750 00 
26,700 00 



$791,000 00 $956,675 00 



Securities held as collateral for cash loans : — 

20 shares Equitable Life Assurance Society, 
100 " Delaware & Hudson Canal Co., 

60 " Union Trust Company, . 
Lake Gas Company, Chicago, bonds, 
Hackensack Water Company bonds, 

United States bonds, 

66 shares Rensselaer & Saratoga R R , 
Rensselaer & Saratoga R.R bonds, . 

16 shares Delaware & Hudson Canal Co , 

10 

20 
100 
300 
100 
100 

100 ' 
100 ' 



Market Value. 

$5,000 00 
13,200 00 
48,000 00 
3,120 00 
6.240 00 
42,875 00 
12,240 00 3 
1,000 00 \ 
2,112 00 i 
1,800 00 \ 
3,000 00 
16,000 00 ^ 
21,600 00 I 
18,100 00 ' 
6,000 00 
5,200 00 | 
4,100 00 J 



Loaned Thereon. 

$4,000 00 
10,000 00 
31,000 00 
2,500 00 
5,000 00 
35,000 00 

7,000 00 

2,500 00 
2,200 00 



!> 50,000 00 



154 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Texas Pacific R.R. bonds, 

Duluth & Manitoba R.R. bonds, 

l)nl nth. South Shore & Atlantic R.R. bonds, 

Northern Pacific U.K. bonds, . 

1000 shares Richmond & West Point T. R.R , 



Market Value. Loaned Thereon. 

$19,550 00^ 
10,500 00 I 

1-4,100 00 I $50,000 00 
7,200 00 J 
15,000 00 J 



175,937 00 $ 199,200 00 



Summary of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance due, 

Salvage due, 

Premiums more than 3 mouths due, $1,280 17 
Gross assets, f 



Liabilities. 

Losses claimed and reported, . 

Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, . 

Paid-up capital, ....... 

Scrip outstanding, not ordered to be redeemed, 



Surplus over capital and scrip, . 



$24,220 00 

248 03 

956,675 00 

199,200 00 

12,477 18 

22,885 84 

2,136 47 

146,787 19 

633 17 

200 00 



|64,875 39 
20,000 00 

|14,875 39 

470,319 34 

2,309 00 

5,868 58 

2,250 00 

21,082 56 

12,224 83 



$400,000 00 
177,505 00 



$1,365,462 88 



558,929 70 



. $800,533 18 



577,505 00 



. $229,028 18 



* Value of lands mortgaged, 
Value of bulldingi thereon, 

Amount <il Insurance held as collateral, 



$38,280 00 
24,220 00 
24,220 00 



\ Including $200,000 special reserve fund held under New York law. 



1890.] 



IXS. COS. OF OTHER STATES. 



155 



Income. 

Fire premiums outstanding Dec. 81,1889, . $97,259 28 
Same not collected, 1,045 64 

Net collected, §96,213 64 

Premiums on risks written or renewed, . . 940,881 66 

Total $1,037,095 30 

Premiums now in course of collection, . . 148,067 36 

Entire premiums collected $889,027 94 

Less re-insurance and return premiums, . . 58,120 99 

Net cash fire premiums received, . . . 

Interest received on mortgages, ...... 

Interest and dividends received from all other sources, . 

Gross cash income, 



$830,906 95 

3,247 00 

43,874 87 



178,028 82 



Expenditures. 

Cash paid for lire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid. 

Interest paid serip-holders, 

Cash paid for commissions and brokerage, 

for salaiies of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



§428,263 98 
50,474 03 



$377,789 95 
40,000 00 
250 00 
158,222 28 
60,803 82 
10,607 98 
80,157 21 

|727,831 24 



Fire risks outstanding Dec 31, 1889, 
Fire risks written during 189.0, 



Risks and Premiums. 

Premiums. 

$105,295,681 00 $830,326 70 
101,690,220 00 940,881 66 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$206,985,901 00 $1,771,208 36 
101,553,448 00 802,335 62 



$105,432,453 00 $968,872 74 
8,438,231 00 62,107 25 



,994,222 00 $906,765 49 



Miscellaneous . 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, .... 



$7,203,760 00 

2,817,099 00 

403,109 00 

1,271,000 00 

40,000 00 

116,700 00 



156 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"AMERICAN FIRE [NSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated Feb. 28, 1810. Commenced business March 12, 1S10.] 
Paid-up Capital, $500,000. 

Tnos. II. Montgomery, President. Richahd Maris, Secretary. 
Detailed Statement of Bonds. 

Par Value. Market Value. 

United States bonds, $30,000 00 $35,400 00 

Philadelphia & Reading Railroad bonds, . 112,000 00 89,880 00 

Northern Pacific Railroad bonds, . . . 40,000 00 46,100 00 

Pennsylvania Car Trust bonds, . . . 50,000 00 50,625 00 

Steubenville & Indiana Railroad bonds, . . 50,000 00 54,000 00 

Pennsylvania Railroad bonds, .... 62,000 00 75,500 00 

Phila , Wilmington & Baltimore R.R. bonds, . 10,000 00 10,500 00 

Belt Road and Stoek Yard bonds, . . . 20,000 00 21,060 00 

Chicago & Western Indiana Railroad bonds, . 29,000 00 32,98185 

Philadelphia & Erie Railroad bonds, . . 20,000 00 22,100 00 

Shamokin Valley & Pottsville Railroad bonds, 20,000 00 25,000 00 

Lehigh Coal and Navigation Company bonds, 20,000 00 21,600 00 

Northern Pacific Railroad bonds, . . . 50,000 00 61,000 00 

Virginia & Tennessee Railroad bonds, . . 25,000 00 27,500 00 

Georgia State bonds, . . . . 25,000 00 30,250 00 

Delaware & Chesapeake Railroad bonds, . 5,000 00 4,483 34 

Huntington & Broad Top Mt. R.R. bonds, . 10,000 00 9,950 00 

Borough of Bellefonte, Pa., bonds, ... 500 00 535 00 

Coming, Cowanesque & Antrim R R. bonds, . 20,000 00 21,000 00 

Philadelphia & Reading Railroad bonds, . . 25,500 00 25,372 50 

Lehigh Valley Railroad bonds, . . . 51,000 00 63,750 00 

Mortgage Trust Company, Pa , bonds, . . 25,000 00 25,625 00 

Middlesex Banking Company bonds, . . 25,000 00 25,525 00 

Riehmond, Fred. & Potomac Railroad bonds, . 35,000 00 35,787 50 

Phila & Reading Railroad bonds, . . . 27,000 00 13,095 00 

Allegheny Valley Railroad bonds, . . . * 10,000 00 10,900 00 

Northern Central Railroad bonds, . . . 30,000 00 34,500 00 

New l r ork & Long Branch Railroad bonds, . 15,000 00 16,650 00 

Northern Pacific & Montana Railroad bonds, . 30,000 00 30,450 00 

Penn. and New York Canal & Railroad bonds, 50,000 00 55,000 00 

Portland city bonds, 50,000 00 57,500 00 

N. W. Guaranty Loan Company bonds, . . 15,000 00 15,175 00 

Lehigh Valley Railroad bonds, . . . 25,000 00 25,875 00 

Lehighton water bonds, 5,000 00 5,062 50 



$ 1,017,000 00 $1,079,732 69 



Securities held as collateral for cash loans: — 

United States bonds 

hares Ly kens Valley Railroad, . 
164 shares Pennsylvania Railroad, . 



Market Vnluc. Loaned Thereon. 

$3,630 00 $3,000 00 

780 00? 
8,200 00 S 



6,000 00 



1890.] 



INS. COS. OF OTPIER STATES. 



157 



18 shares Ins. Co., State of Pennsylvania, 
66 " Connellsville Gas Coal Co., . 
50 " East Pennsylvania Railroad, 
1500 " Philadelphia & Reading R.R., 

50 " Charleston, S C, Mining Co., 
100 " Denver & Rio Grande Railroad, 
Denver & Rio Grande Railroad bonds, 
North Pacific & Montana Railroad bonds, 
King's County EWated R R. bonds,. 
Lehigh Coal & N avigation Company bonds, 
Boston United (ins Company bonds, 
Central New Eng. & Western Railway bonds 
Phil a. & Reading Railroad Car Trust, 
2<>o shares Keystone National Bank, 
200 " N. V.. Sus. & Western Railroad, 
100 " Philadelphia & Reading Railroad, 
50 " Columbia Ave. Savings Fund, 
Car Trust of New York, .... 

4 shares Travelers 1 Insurance Company, 

5 " First Natl Bank, Williamsport, 
100 " Northern Pacific Railroad, 

100 " Pennsylvania Railroad, . 
100 " Huntington & Broad Top R.R , 
100 " Philadelphia & Erie Railroad, 
Philadelphia & Reading Car Trust, . 
25 shares Penn. Co. for Ins on Lives, 



Market Value. 

$6,500 00 
1,320 00 
2,700 00 

24,093 75 

10,337 50 

5,700 00 

810 00 

1,015 00 

1,020 00 

12,720 00 

22,500 00 
7,200 00 

40,000 00 
9,1500 00 
5,050 00 
1,606 25 
6,000 00 
5,220 00 
1,000 00 
1,000 00 
2,137 50 
5,000 00 
4,500 00 
2,800 00 
1,000 00 

12,500 00 



Loaned Thereon. 

$6,450 00 
2,450 00 

j> 31,000 00 



12,000 00 

20,000 00 

I 30,000 00 

1 

| 

[ 25,000 00 



1,500 00 



12,500 00 
10,000 00 



$205,940 00 $159,900 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, 
Bonds, as per schedule, .... 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Ground rents, 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



31, 1890. 

$234,490 05 

1,223,150 00 

22,700 20 

1,079,732 69 

159,900 00 

32,699 55 

136,690 49 

2,160 11 

59,368 90 

1,154 07 

7,253 34 



$2,959,299 40 
87,750 00 

$2,871,549 40 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



51,279,997 00 

1,535,000 00 

943,582 00 



158 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Losses disputed or resisted, 
Unearned premiums on outstanding 1 risks 
Reclaimable on perpetual lire polieies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Paid-up capital, . . . . • 

Surplus over capital, . 



|36,249 81 

210,827 88 

25,417 18 

1,222,743 31 

496,857 67 

400 00 

11,094 73 

$2,003,590 58 
23,168 50 



$1,980,422 08 

$891,127 32 
500,000 00 



$391,127 32 



Income. 

Fire premiums outstanding Dec 31, 1889 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Income from perpetual premiums, . 
Income from all other sources, . 
Deposits received for perpetual fire risks 
Gross cash income, 



$25,538 58 
2,286,253 36 

$2,311,791 94 
59,368 90 

$2,252,423 04 
312,332 39 



sources, 



$1,940,090 65 
58,104 95 
62,413 54 
35,296 77 
25,743 03 



$47,872 03 



. $2,121,648 94 



Expenditures. 

Cash paid for fire losses, ..... 

Cash dividends paid, ...... 

Cash paid for commissions ami brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 

for incidentals, 



4,075,266 93 

49,600 00 

396,875 51 

240,173 91 

39,804 71 

13,895 10 



Gross cash expenditures, 



,815,616 16 



D.] 



INS. COS. OF OTHER STATES. 



L r >9 



Risks and Premiums. 



Fire risk? outstanding Dec 51, 1889, 
Fire risks written during 

Lai 

Deduct risks expired ;\ml terminated. 

In force at end of year, 
Deduct amount re-insured, 

Net amount in fon 



rremlums. 

$1S 7 00 $2,135,151 02 

245^36,199 00 2. ! 36 



$426,614,936 00 $4,421,404 38 
195,620,267 00 1,930,448 35 



1230,994,669 00 |2, 03 

10,057,585 00 5,887 39 



>,068 64 



Perpetual risks in force (not included above). . $20,267,718 0' - .0,33 17 



Misceix \Nr«»is. 

Premiums received from organization of company, 

lid from organization of company, 
Fir< jg - incurred during the vear. . 
Cash dividends declared from organization of ccmpany, 
Dividends declared during the year (10 per cent ), . 
Company'- stork owned by directors, . 



|19,£ . 
11,181,474 00 
1,170,434 00 

2,52 . n 
50, 00 
21^00 



"ATLANTIC MUTUAL INSURANCE COMPANY," NEW YORK, X Y. 

[Incorporated April 11, 1S42. Commenced business July 1, 1842.] 

John D. Jones, President, Jo-eph H. Chapman, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Valae.* 

American Exchange Bank stock, . . . |7 .800 00 f 76,800 00 

Bank of America stock 100,000 00 100,000 00 

Bank of Commerce stock, 64,100 00 64,100 00 

Bank of New York stock, 65,700 00 65,700 CO 

Leather Manufacturers' Bank stock, . . 15,600 00 15,600 00 

Merchants" Bank stock, 70,150 00 70,150 00 

Mechanics' Bank stock. 47,675 00 - 47.675 00 

Manhattan Company Bank stock, . . . 18,000 00 18,000 00 

Market and Fulton Bank stock, . . . 30,000 00 30,000 00 

Phenix Bank stock 55,100 00 55,100 00 

Atlantic Trust Company bank stock, . . 100,000 00 200,000 00 

New York State bonds, 45,000 00 45,000 00 

New York city bonds, 253,100 00 235,190 00 

New York Cent & Hudson Paver R R. bonds, 450,000 00 360,000 00 

New Yoifc county bonds 100,000 00 100,000 00 

New York Central Railroad bonds, . . . 139,000 00 118,150 00 

New York, Lake Erie & Western R.R bonds, 100,000 00 80,000 00 

We^t Shore Railroad bonds 200,000 00 150,000 00 

Brooklyn & Montauk Railroad bouds, . . 75,000 00 63,750 00 



Estimated for purposes of permanent investment. 



160 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Seattle, Lake shore & Eastern Railroad bonds 

Delaware and Hudson Canal Co. bonds, 

Brooklyn park bonds, 

Jersey < it v bonds, .... 

District of Columbia bonds, 

United Mates bonds, .... 



l\ir Value. 

|100,000 00 

50,000 00 

122,000 00 

100,000 00 

369,000 00 

5,560,000 00 



Market Value. 

$90,000 00 
45,000 00 
109,800 00 
100,000 00 
258,300 00 
5,101,000 00 



5,306,225 00 $7,599,315 00 



Securities held as collateral for cash loans : — 

Adams Express Company stock, 
Chicago & Northwestern Railroad stock, 
Fourth National Bank stock, . 
Fourth National Bank stock, . 
Consolidated Gas Co. of New York stock, 
Equitable Gas Company bonds, 
Tennessee Coal and Iron Company bonds, 
Chicago & Eastern Illinois Railroad stock, 
New York Cent. & Hudson River R.R. stock 

Reading city bonds, 

Mystic Valley Water Company bonds, 
St. Louis, Arkansas & Texas R.R. bonds, 
Louisville & Nashville Railroad stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Chicago & North Western Railroad stock, 
New York, Chicago & St. Louis R.R stock, 
Baltimore & Ohio Railroad bonds, . 
Pacific Railroad of Missouri bonds, . 
Columbus, Hocking Val & Texas R.R. bonds 
Montana Central Railroad bonds, . . - 
St. Paul, Minnesota & Manitoba RR bonds, 
Rio Grande Western Railroad bonds, 
Wabash Railroad bonds, .... 
Chicago, Burlington & Quincy Railroad bonds 

Silver certificates, 

Lake Erie & Western Railroad stock, 
Delaware and Hudson Canal Company stock 
Great Northern Railroad stock, 
Pullman Palace Car Company stock, 
Seattle, Lake Shore & Eastern Railroad bonds 
Morris & Essex Railroad stock, 

silver certificates, 

Pullman Palace Car -Company stock, 
Consolidated Gas Company stock, . 
Chicago, .Milwaukee & St Raul R.R. bonds, 
Northern Pacific & .Montreal R R. bonds, 
Delaware & Hudson (anal Co stock, 

Leather Manufacturers 1 Bank stock, 

Rio Grande & Western Railroad bonds, . 



Market Value. 

$7,000 00- 
4,500 00 
2,500 00. 
18,000 00 
20,000 00 
5,500 00 
18,000 00 
9,000 00 
5,000 00 
20,600 00 ^ 
10,000 00 
3,100 00 
7,700 00 } 
7,000 00 
10,700 00 
1200 00 j 
15,000 00 
10,000 00 
12,500 00 
57,500 001 
11,600 00 
4,500 00 
10,500 00 
3,400 00 
69,000 00 
5,600 00 
13,400 00 
38,000 00 
39,000 00 J 
15,000 00 
10,000 00 
21,000,00' 
19,500 00 
9,500 00 } 
3,000 00 j 
10,500 00 J 
13,000 00 \ 
7,000 00 i 
15,000 00 ) 



Loaned Thereon . 

$11,000 00 

22,000 00 
5,000 00 

20,000 00 
4,000 00 

50,000 00 



20,000 00 
10,000 00 



, 200,000 00 



12,000 00 
2,000 00 



50,000 00 



25,000 00 






[NS. COS. OF OTHER STATES. 



161 



md, Cin., Chic. & St. Louia R.R. Btock, 
tern Union Telegraph Company stork, 

P ific Bunk stock 

( hristopher & Truth Street Railroad stock, 
Dry Dock. E. Broadway & Battery R.R. bonds 
D Laware ft Hudson (anal Company stock, 
New York ft Harlem Railroad stock, 
Looisvill & Nashville Railroad stock, . 
• Northern Railroad stork, 

Silver certificates, 

Silver certificates 

Lake Shore & Mich. Southern Railroad sfc 
Chicago & Northwestern Railroad stock, 
Delaware *.v Hudson Canal Company stock, 
Western Union Telegraph Company stock, 
Long Dock Company bond, 

Wichita (Kansas) bond 

San Antonio ft Aran. Pass Railroad bond, 
New York. Lackawanna ft Western B R.Stock 
Pacific Mail Steamship Company stock, . 
Eric Railroad bonds, .... 
Cleveland ft Pittsburgh Railroad bonds, . 
Dnbuqne ft Sionz City Railroad bonds, , 
Centra] Railroad of New Jersey bonds, . 
New York. Lake Erie ft Western R.R. bonds, 
Albany ft Susquehanna Railroad bonds, . 
Wabash Railroad bonds, ... 

Atchison. Topeka & Santa Fe Railroad bonds 
[Mobile ft Ohio Railroad bond-. 
Missouri. Kansas Oc Texas Railroad bonds, 
Evansville ft Terre Haute Railroad stock, 
Great Northern Railroad stock, 
Cleveland, Cin., Chic, ft St. Louis R.R. stock, 
East Tennessee, Va & Georgia R.R. stock, 
United States Express Company stock, . 
New York cV: New England Railroad stock, 
Mobile & Ohio Railroad stock, 
Texa- ft Pacific Railroad stock, 
Canada Southern Railroad stock, 
• New York, New Haven & Hartford R.R. stock 
Pennsylvania Coal Company stock, . 
New York Life Insurance & Trust Co. stock, 
Manhattan Trust Company stock, . 
Delaware & Hudson Canal Company stock, 
Rensselaer & Saratoga Railroad bonds, . 
Canada Southern Railroad stock, 
Michigan Central Railroad stock, 
Delaware, Lackawanna & Western R.R. stock, 
Rensselaer & Saratoga Railroad stock, . 



Mark, t Value. 

500 00? 

7. .".oil 00 S 
1.." 00n 

■;..-.< >» > 

4,000 00 ) 
26,800 00 > 
12,500 00 
30,000 00 j> 
15,200 00 

42, » 00 , 

61,950 00 

32,100 

l".; 

13,400 00 [> 

4. 00 

1,000 00 J 
35,500 00 

1.200 00 | 

!•;.■■ oo • 

7,500 00 



Loaned Thereon. 
$15,000 00 



6,000 

3,500 

1,000 

3,500 

3,000 

7,500 

22,000 

7,500 

6,000 

13,000 

4,000 

4,000 

2,500 

1,500 

5,000 

27,000 

20,000 

14,000 

66,000 

67,000 

14,000 

5,000 

10,800 

13,700 

18.000 



J 
00 l 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 J 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 J 



10,000 00 



100,000 00 



50,000 00 



50,000 00 



50,000 00 



)> 80,000 00 



50,000 00 
50,000 00 

j> 100,000 00 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Seattle, Lake Shore & Eastern Railroad bonds, 
New York city bond-. ..... 

Brooklyn city 'bonds, . 

Dry Pock. E. Broadway & Battery R.R. bonds, 



Market Value. 

$27,000 00 
6,500 00 
4,000 00 

2,000 00 



Loaned Thereon. 

$20,000 00 
> 10,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in bank and with English bankers, . 
Notes taken for marine and inland risks, 
Gross assets, ..... 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Return premiums, 
Miscellaneous, .... 
Gross liabilities, except scrip, 

Surplus as regards policy-holders, 

Scrip outstanding, not ordered to be redeemed, 

Surplus over scrip, 

Income. 
Cash received for marine premiums, 
Less re-insurance and return premiums, . 
Net cash marine premiums received, . . - 
Interest and dividends received from all sources, 
Income from rents, ...... 

Income from all other sources, . 

Gross cash income, 

Expenditures. 
Cash paid for marine and inland losses, . . $ 

Deduct salvage and re-insurancc, 

Nel cash paid for marine and inland losses, . - 

Cash paid for redemption of scrip, . 

[uteres! paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

Gross cash expenditures, . 



$1,302,050 00 $1,016,000 00 

81, 1890. 

$700,000 00 
7,599,315 00 
1,016,000 00 
1,866,990 29 
1,345,029 39 
$12,527,334 68 



$163,015 84 

1,586,144 16 

78,000 00 

1,394,177 87 

216,000 00 

25,014 85 

179,358 20 

258,718 09 



3,900,429 01 

}8,626,905 67 

6,843,040 00 

}1.783,865 67 



$3,907,669 84 
421,458 60 



- $3,486,211 24 

490,684 87 

34,057 67 

1,810 00 

. |4,012,763 78 



,423,467 21 
65,323 42 



11,358,1 13 79 

1,443,500 00 

404,706 1" 

21,76!) 85 

889,266 77 

41,650 53 

83,662,087 34 



- «».] [NS. I I >S. OF OTHER STATES. 163 

IJi-k- \m» Premiums. 

Premiums. 

Marine risks outstanding Dec. 31,1889, . $11 3 $1,357,821 14 

Marine risks written during 890, . 502 ',331 19 



il f617,850,271 00 $5,187,152 33 

Deduct risks expired and terminated, . .497,42 3,792,974 46 



In force at end - $1,394,177 87 

Miscellaneous. 
Marine and inland I — - Incurred during the year (est), . $1,553,328 00 



"BROADWAY INSURANCE COMPANY,* NEW YORK, X. Y. 

[Incorporated December, 1S49. Commenced business December, 1S49.] 
Paid-up Capital, $200,000. 

E. B. Magni a nt. Geo. W. Joni s, Secretary. 

I>etailei> Statement of v t«>< ks uwd Bonds. 

Tar Value. Market Value. 

United States bonds, |200, J248,000 00 

200 shares Morris & Essex Railroad, . . 10,000 00 15." 

500 " N.Y., Lackawanna & Western R.R., .000 00 57,500 00 

" Chicago & North Western RR-, . 43,000 00 47,700 

200 •' Illinois Central Railroad. . _ 00 20,000 00 

200 " Lake Shore & Mich. Southern R.R., 20, 00 21,300 00 

W. X. collateral trust bonds 10,000 00 10,000 



- ■ "i 00 $420,000 00 



Summary of Assets Dec. 31, 18 

Loans on mortgage of real estate (first liens*), 
Interest due thereon, . . - . 

Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross 3sets, 



* Total value of property mortgaged, 
Amount of insurance held as collateral, . 



$1,800 00 








37 50 








420,000 00 








42^ 








25,644 20 








8,334 00 








21,803 30 










64- 


*8,042 


84 




$6,000 00 






3,500 00 







164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$3,000 00 

750 00 

55,217 85 

3,924 60 



$62,892 45 

$415,150 39 
200,000 00 

$215,150 39 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $8,491 85 

Premiums on risks written or renewed, . . 129,237 08 

Total, $137,728 93 

Premiums now in course of collection, . . 21,803 30 

Entire premiums collected, .... $115,925 63 
Less re-insurance and return premiums,. . 12,427 00 

Net cash fire premiums received, . . . 

Interest received on mortgages, ...... 

Interest and dividends received from all other sources, . 

Gross cash income, 



$103,498 63 

90 00 

21,149 65 

$124,738 28 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$36,461 61 
1,194 72 



$35,266 89 
22,000 00 
23,436 52 
11,969 73 
149 46 
13,568 88 

$106,691 48 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$ 16,215,840 00 .$72,411 34 
. 26,218,442 00 129,237 08 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$42,434,282 00 $ 201, 648 42 
21,080,592 00 94,523 84 



$21,353,690 00 $107,124 58 
1,243,798 00 5,713 69 



. $20,109,892 00 $101,410 89 



1890.] 



INS. COS. OF OTHER STATES. 



1G5 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (11 percent.), . 
Company's stock owned by directors, . 



^2,085,117 00 

567,685 00 

32,867 00 

1,226,000 00 
22,000 00 
52,875 00 



"BUFFALO GERMAN INSURANCE COMPANY,' 1 BUFFALO, N. Y. 

[Incorporate Feb. 10, 1S67. Commenced business Feb. 16, 1867.] 
Paid-up Capital, $200,000. 

Philip Becker, President. O. J. Eggert, Secretary. 



Detailed Statement of stocks and Bonds. 

Tar Value. 

Buffalo city bonds, $242,500 00 

Buffalo city warrants, 18,778 31 

Buffalo & southwestern Railroad bonds, . . 36,250 00 

Tonawanda Gas Company bonds, . . . 25,000 00 



Market Value. 

$242,500 00 
18,778 31 
36,250 00 
25,000 00 



$322,528 31 $322,528 31 



Securities held as collateral for cash loans: — 

Third National Bank, Buffalo, stock, 
German Bank, Buffalo, stock, . 
Citizens 1 (J as Company, Buffalo, bonds, 
Citizens' Gas Company, Buffalo, bonds, 
Union Fire Insurance Company, Buffalo, stock 
Fireman's Fund Insurance Company stock, 
Buffalo Street Railway Company bonds, 
Buffalo Loan, Trust iSc Safe Deposit Co. stock 
German Bank stock, .... 
Co-operative Stove Company stock, 
Co-operative Brewing Company stock, 
German Bank stock, .... 
Buffalo Board of Trade stock, . 
German-American Bank stock, . 
Merchants 1 Bank stock, 
Western National Bank, New York, stock, 
Toledo city bonds, .... 
Cataract Bank, Niagara Falls, stock, 
Manufacturers 1 & Traders 1 Bank stock, 
Merchants 1 Bank stock, 
Third National Bank, Buffalo, stock, 
Alliance Insurance Company, N. Y., stock, 
Exchange Elevator Company stock, 



Market Value. 

$6,250 00 

12,000 00 

40,000 00 

4,000 00 

1,100 00 

4,000 00 

10,000 00 

3,500 00 

4,000 00 

2,000 00 

4,125 00 

12,000 00 

2,970 00 

2,500 00 

12,500 00 

20,000 00 

1,250 00 

25,000 00 

3,750 00 

2,500 00 

31,250 00 

1,000 00 

1,000 00 



Loaned Thereon. 

f 10,000 00 
32,000 00 

2,000 00 

3,000 00 
8,000 00 

8,000 00 
6,000 00 

30,000 00 

1,000 00 
20,000 00 

5,000 00 
25,000 00 

1,000 00 



$206,695 00 $151,000 00 



166 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $300,000 00 

Loans, on mortgage of real estate (first liens*), 509,921 43 

Interest due or accrued thereon, . . . 2,803 72 

Stocks and bonds, as per schedule, . . . 322,528 31 

Loans on collateral security, as per schedule, . 151,000 00 

Cash in the office of the company, . . . 1,018 70 

Cash deposited in bank, 112,941 56 

Interest due and accrued, ..... 1,801 25 

Premiums in course of collection (gross), . 59,567 74 

Notes taken for fire risks, .... 9,016 69 

Rents due and accrued, 1,597 31 

Gross assets, f 



,472,196 71 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, ..... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Lnt ire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

[nteresl received on mortgages, 

Interest and dividends received from all other 

[ncome from rents; .... 

Income from brokerage, . 

( rrOSS cash income, 



$7,404 26 

18,818 00 

1,000 00 

344,067 43 

11,095 56 



382,385 25 

. $1,089,811 46 
200,000 00 

. $889,811 46 



f55,281 10 

368 09 

$54,913 01 

536,877 15 

$591,790 16 

59,567 74 

$532,222 42 

102,124 46 



sources, 



$430,097 96 

24,635 59 

20,119 11 

17,640 31 

2,746 32 

$495,239 29 



* Value of lands mortgaged 1782,156 00 

Value of buildings thereon, 848,180 00 

Amount of insurance held as collateral, .... .'i7:'>,7<>9 00 

• [ncluding (200,000 special reserve fund held under New York law. 



').] 



[XS. I >F 0TI1KK ST 






EXPEXDITCRES. 

r fire losse- .... 

Deduct - _ - and re-insuran -. 

flosses, . . 

- i dividends paid. . 
Cash paid for comn. — - tnd brokers _•. 
for salaries of officers and emplo;. 
for State and local 
for real estate exp- - - 
for incidental - 



$211,751 14 

Ml 



-h expendi: 



5-: : ' 

40,000 00 

94,0-2- ra 

89 

7.7 — 
12.099 44 

- - - 



Premiums. 



Fire risk- 'ec. 31, 1889, 

Fire i - a dorinj - 



Total, . 
Deduct risks expired and terminated, 

In force at end of year. 
Deduct amount re-insu: 

: amount in for 



161,477,07 | 12,137 91 

-77 15 



.00 - . 



. 1,7 " 00 15.573 51 



3 53 



MlSCELLA?- 

niunis received from organization of eompar 
Losses paid from organization of company. 
Fir- losses incurred during the year, . . . 

- t dividend? declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by direct: 



" ? .,981 00 

' -4 00 

.144 00 

665,925 00 

40,000 00 

• ..--•: :■: 



LIFORXIA i: OMPANY, r - FRAN< IS 

[Incorporated February, 1861. Commenced bnrinem February, 1S61.] 
Pjod-up Capital, $&»,<*&. 

L.LI il. President. W. H lee, Secretary. 

Detailed Statement of Stocks axd B«:»xi>5. 

Market Valae. 

N rthern Pacific Railroad bonds, . . 6 '-..'.'..'/. $ 1" 

California Street cable bon -«00 00 

Oakland Gas bond- : - - - ■ 

Pacific Rolling Mill bonds 8,000 00 ^ 

San Diego Gas and Electric Light bonds, •; " " . 

Spring Valley Water bonds. 10,000 00 12,000 00 

United States bon 62,000 00 



168 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



California Dry Dock bonds, 

275 shares Bank of California,. 

100 " California Wire Works, . 

300 " First National Bank, 

200 " Grangers' Bank, .... 

200 " London, Paris and American Bank 

551 " Oakland Bank of Savings, 

400 " Oakland Gas Light and Heat Co , 

400 " Pacific Rolling Mill Co., . 

150 " Safe Deposit and Trust Co.. . 

160 " San Francisco Gas Co., . 

250 " Spring Valley Water Co., 

200 " Wells Fargo & Co., . 



Far Value. 

$4,000 00 
27,500 00 
10,000 00 
30,000 00 
20,000 00 
20,000 00 
27,550 00 
8,000 00 
40,000 00 
15,000 00 
16,000 00 
25,000 00 
20,000 00 



Market Value. 

$4,170 00 

77,275 00 

5,00ff 00 

51,000 00 

21,400 00 

25 ,000 00 

38,570 00 

13,800 00 

36,100 00 

7,500 00 

9,520 00 

23,625 00 

28,000 00 



$440,050 00 $539,470 00 



Summary of Assets Dec. 31, 1890. 
Cash value of unencumbered real estate, . f 106,000 00 

Loans on mortgage of real estate (first liens*), 149,923 41 
Interest due or accrued thereon, . . . 570 00 

Stocks and bonds, as per schedule, . . . 539,470 00 
Cash in the office of the company, . . . 4,070 98 

Cash deposited in bank, 304,778 86 

Interest due and accrued, ..... 1,830 00 

Premiums in course of collection (gross), . 143,433 71 
Notes taken for marine and inland risks, . 35,102 28 

Gross assets, 

Deduct special deposits in other States, 

Balance, 



[,284,679 24 
62,000 00 

,222,679 24 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross Liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



•|44,819 00 
18,442 00 

5,450 00 
503,098 36 

6,821 51 

£578,630 87 
11,209 92 



567,420 95 

§C>oo,2:)8 29 

600,000 00 

$55,258 29 



* Value (if Lands mortgaged, 
Value of buildings thereon, 

Amount of Insurance held an collateral, 



f522,000 00 

213,850 00 

38,500 00 



«).] 



INS 5. OF ( 'TITER STAT - 






Income 

Fire premiums outstan 

Premiums on risks written or renewed. . 

Total. 

Premiums now in course of collection. 

Entire premiums collected, 
I a -insurance and return premiun - 
N " - remium- d. 

Marine premiuc .- - inding- I 
Premiums on risks written pr rent 

il. . .... 

Premiums now in i - lection. . 

Entire premium- *ed. 

I. as -insurance and return premiun - 
X " cash marine premium- d. 

Inter - on mo: _ _ - 

I dividends 1 from all • 

me from rem- 

ne from profits on sale of securi:: 

Gross cash income 



83 

|7 E I 



i 

- 



- 



\ ." .- 7t 



K - 

; 



ExPESDrrciffiS 

id for fire losses 
i paid for marine and inland lose 
: dividends paid. . ..... 

Cash paid for comn iss - ind brokerage. 
for - of officers and em; 

for v ad local 

. . 
for incide: .... 

Gross cash expenditures. .... 



■ 

"- 
\ 

:" - 43 

■-- 

' 11 



isks - ^ding-Dec. II ,18* 
n durir.^ 1£ 



PiI^KS AXT» PnEMK 

Frenians. 

. ~ - 1 ^ 54 





Ded ired and termi: 

In force at end if year, 

Deduct amount re-insured. 

ount in for; 



49,180,79* ". _4 39 






:""."" — S 1 U 



170 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Doc. 31, 1889, . 
Marine risks written during 1890, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force 



Premiums. 

$2,987,949 00 $138,609 75 
11,464,852 00 253,042 16 

$14,442,801 00 
11,585,223 00 

$2,857,578 00 
972,301 00 

$1,885,277 00 $89,752 82 



$391,(351 91 
250,385 64 

$141,266 27 

51,513 45 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses iucurred during the year, 
Marine and inland losses incurred during the year, 
( !ash dividends declared from organization of company 
Dividends declared during the year (9 per cent.), . 
Company's stock owned by directors, 



$7,903,557 00 

4,121,173 00 

304,295 00 

98,829 00 

1,312,200 00 

54,000 00 

69,700 00 



"THE CITIZENS' INSURANCE COMPANY;' CINCINNATI, OHIO. 

[Incorporated Jan. 21, 1851. Commenced business March 11, 1858.] 
PAiD-ur Capital, $200,000. 

F. X. Reno, President. Charles F. Runck, Secretary. 



Detailed Statement of Stocks and Bonds. 



104 shares First National Bank, Cin., O., 
15 " Third National Bank, Cin, O., 

27<> " Equitable National Bank, Cin., O., 

216 " Cin. Gas Light and Coke Co , . 

432 " Cincinnati Electric Light Co., . 

300 " Cleveland & Pittsburgh Railroad, 
10 " Security Insurance Company, 

I Ihited stairs bonds, ..... 



Par Value. 

$10,400 00 
1,500 00 

27,000 00 

21,600 00 
2,160 00 

15,000 00 
1,000 00 

79,600 00 



Market Value. 

$28,704 00 
2,475 00 

37,800 00 

43,632 00 
3,024 00 

24,000 00 
1,000 00 

98,806 00 



$158,260 00 $238,941 00 



Summary <>k Assets Deo. 31, 1890. 
Stocks and bonds, as per schedule, . . . $238,941 00 



( lash in the office of the company, 
( !ash deposited in bank, .... 
[nteresl due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $1,888 65 
Gross assets, ...... 



557 81 

17,986 23 

2,629 00 

21,954 88 



$285,068 92 



1890.] 



INS. COS. OF OTHER STATES. 



171 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
State and local taxes, 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



#16,698 92 
7,927 97 
2,124 73 

$26,751 62 
5,640 11 



$21,111 51 

48,185 69 

9,500 00 

950 00 

3,062 40 

1,792 55 



$84,602 15 

$200,466 77 

200,000 00 

$466 77 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Received for calls on capital, . 

Gross cash income, 



$21,732 02 
1,888 65 




$19,843 37 
132,114 67 




$151,958 04 
26,843 53 




$125,114 51 
39,413 16 


$85,701 35 
9,826 08 


$24,000 00 




$95,527 43 



Expenditures. 

Cash paid for fire losses, ..... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, stationery, etc., 



$94,526 58 
16,952 69 



$77,573 89 

18,601 22 

12,459 11 

1,612 23 

1,643 42 



Gross cash expenditures, 



$111,889 87 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Miscellaneous 

Fire losses incurred during the year, 

Cash dividends declared from organization of 

Company's stock owned by directors, 



$6,266,691 00 
• 7,444,600 00 

113,711,291 00 

6,334,637 00 



$7,376,654 00 
1,808,274 00 



Premiums. 

$99,962 95 
132,114 67 

|232,077 62 

103,674 39 



company, 



$128,403 23 
32,031 86 



$5,568,380 00 $96,371 37 



$68,007 00 

132,000 00 

23,940 00 



"CITIZENS' INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 
Paid-up Capital, $300,000. 

Edward A. Walton, President. Frank M. Parker, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value, 

United States bonds $40,000 00 $48,400 00 

Lake Shore & Michigan Southern R.R. bonds, . 50,000 00 60,500 00 

Union Trust Company stock, .... 10,000 00 78,500 00 

National Citizens' Bank stock, . . . . 29,925 00 50,872 50 

National Bank of Commerce stock, . . . 10,000 00 19,500 00 

National Bank of the Republic stock, . . 5,000 00 9,500 00 

Union Pacific Railroad stock, .... 20,000 00 8,800 00 

New York Central & Hudson River R.R. stock, 20,000 00 20,300 00 

Missouri, Kansas & Texas Railroad bonds, . 10,000 00 7,600 00 

Virginia State bonds, 10,000 00 750 00 

Consolidated Gas Company stock, . . . 20,000 00 18,800 00 

Oregon Short Line & Utah No. Railroad bonds, 2,000 00 1 ,580 00 

Richmond & Danville Railroad bonds, . . 10,000 00 10,000 00 

Cleveland, Cin., Chic. & St. Louis R.R. slock, 30,000 00 21,300 00 

Lake Shore & Mich. Southern R.R. stock, . 20,000 00 21,300 00 

$2 
Securities held as collateral for cash loans: 

Butchers 1 and Drovers 1 National Bank stock, 

Lake Shore & Michigan Southern R.R. bonds 

National Bank of the Republic stock, 
Pennsylvania Railroad stock, . 
Manhattan Life Insurance Co. stock, 



$286,925 00 $377,702 50 



.Market Value. Loaned Thereon. 



$1,800 00 

48,400 00 

14,250 00 

2,500 00 

2,000 00 



$900 00 

38,000 00 

10,000 00 

2,000 00 

1,150 00 



1890.] 



INS. COS. OF OTHER STATES. 



173 



Consolidated Gas Company stock, . 

New York Mutual Gas Company stock, 

Central National Hank stock, . 

National Park Bank stock, 

Mercantile National Bank stock, 

Broadway & Seventh Avenue K K. stock, 

Oregon Short Line cv Utah N. R.R. bonds, 

Northern Pacific R.R. & Land Grant bonds, 

Richmond & W. Point Terminal R. & W. bonds 

Missouri Pacific Railroad stock, 

St. Louis & Iron Mountain Railroad bonds, 

St. Louis & Iron Mountain Railroad bonds, 

Western I'nion Telegraph stock, 

Chicago, Burlington & Quiney R.R. stock, 

Laclede Gas Company stock, . 

Missouri Pacific Railroad stock, 

Missouri Pacific Railroad bonds, 

Missouri Pacific Railroad bonds, 

Missouri Pacific Railroad stock, 

St. Louis, Arkansas & Texas R R. certificates 

Missouri, Kansas Oc Texas Railroad stock, 

Atchison, Topeka & Santa Fe R.R. stock. 

Chicago, Burlington & Quiney R.R. stock, 

Missouri Pacific Railroad stock, 

St. Louis & Iron Mountain R.R. bonds, . 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Rents due and accrued, .... 

Re-insurance due, 

Premiums more than 3 months due, f 1,300 65 

Gross assets, 

Deduct special deposits in other States, . 



Market Value. 

$9,400 00 ) 
6,000 00 S 
700 00^ 
1,600 00 j> 
2,200 00 J 
2,000 00 
32,000 00 
16,500 00 
17,250 00 J 
36,000 00 
82,000 00 
29,000 001 
30,400 00 
9,000 00 
3,000 00 
6,000 00 
46,000 00 J 
46,000 00 ^ 



Loaned Thereon. 

$10,000 00 

2,500 00 

1,300 00 

50,000 00 

100,000 00 

j> 100,000 oo 



6,000 00 



6,300 00 
6,000 00 J 

3,900 00 \ 



} 50,000 00 



9,000 00 
12,000 00 
6,400 00 j 



}> 25,000 00 



Balance, $1,100,004 52 



•5493,600 00 $390,850 00 

31, 1890. 

$131,000 00 

76,500 00 

1,089 67 

377,702 50 

390,850 00 

11,857 41 

55,697 75 

7,751 20 

73,339 01 

20,840 67 

1,232 50 

543 81 

§1,148,404 52 

48,400 00 



* Value of lands mortgaged, . , . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$102,000 00 
56,500 00 
37,400 00 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



$19,460 72 

23,097 95 

8,490 77 

$51,049 44 
12,076 56 



$38,972 88 

496,714 94 

436 70 

1,500 00 

14,522 17 

700 00 

$552,846 69 
8,860 27 



$101,342 53 
5,184 95 

$96,157 58 
765,141 40 

$861,298 98 
95,480 33 

$765,818 65 
102,249 26 



other sources, . 



( rTOSS cash income, 

Expenditures. 

( lash paid for lire losses, ..... 

Deduct salvage and re-insurance, . 

Net cash paid for fire Losses, .... 

( !ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local tuxes, 

for incidentals, 

GrOSS cash expenditures, .... 



$401,658 85 
16,319 62 



$543,986 42 

$556,018 10 
300,000 00 

$256,018 10 



$663,569 39 

8,394 91 

32,198 33 

5,035 84 

$704,198 47 



$385,339 23 

29,742 15 

185,107 40 

I!), 009 00 
16,518 61 
93,993 69 

$709,710 08 



1800.] INS. COS. OF OTHER STATES. 

Risks and Premiums. 



175 



Fire risks outstanding Pec. 31, 1889, 
Fire risks written during 1890, 

Total, . . . ' . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

L 15,405,253 00 $950,873 11 
92,081,889 00 765,141 40 



$207,487,142 00 $1,716,014 51 
83,916,836 00 710,594 59 



§123,570,306 00 §999,419 92 
3,646,Q24 00 31,304 14 



$119,924,282 00 $968,115 78 



MISCELLANEOUS. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
(ash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$11,980,042 00 

5,920,937 00 

383,149 00 

1,850,550 00 

30,000 00 

71,640 00 



"CITiZEXS" INSURANCE COMPANY," PITTSBURGH, PA. 

[Incorporated March, 1849. Commenced business March, 1850.] 
Paid-up Capital, $500,000. 



Wm. G. Johnston, President. 



J. R. Sniyely, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Allegheny County bonds, § 1,000 00 $1,300 00 

Pittsburgh & Birmingham Pass. R.R. bonds, . 1,500 00 1,675 -00 

Howard School bouds, 3,000 00 3,000 00 

Sixth Ward School bonds, .... 5,000 00 6,450 00 

German Evangelical Protestant Church bonds, 5,000 00 5,400 00 

Point Bridge bonds, 4,500 00 4,900 00 

Pittsburgh, New Castle & L. Erie R.R. bonds, 8,000 00 9,200 00 

H. C. Frick Coke Company bonds, . . . 10,000 00 10,250 00 

First National Bank of Allegheny stock, . 10,000 00 16,500 00 

Safe Deposit Company of Pittsburgh stock, . 5,000 00 7,000 00 

Eagle Cotton Mill of Pittsburgh stock, . . 1,000 CO 300 00 

New York & Cleveland Gas Company stock, . 750 00 525 00 

Allegheny Insurance Co. of Pittsburgh stock, 1,000 00 1,000 00 

Allegheny Bridge Co. of Pittsburgh stock, . 6,250 00 12,500 00 

Birmingham Ins Co. of Pittsburgh stock, . 4,500 00 4,500 00 

Pittsburgh, McK & Yough. Railroad stock, . 10,000 00 12,000 00 

Monongahela Ins. Co., Pittsburgh, stock, . 1,250 00 1,000 00 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



First National Bank of Pittsburgh stock, . 

Marine National Hank of Pittsburgh stock, 
Citizens 1 National Bank of Pittsburgh stock, . 
Allegheny National Bank of Pittsburgh stock, 
Duquesne National Bank of Pittsburgh stock, 
Third National Bank of Pittsburgh stock, 
Masonic Hank of Pittsburgh stock, . 
Mechanics' National Bank of Pittsburgh stock, 
Metropolitan National Bank, Pittsburgh, stock, 
German National Hank of Allegheny stock, . 
Guarantee Company of North America stock, . 
M ^ r M. National Bank of Pittsburgh stock, . 
Iron City National Bank of Pittsburgh stock, . 
Exchange National Bank of Pittsburgh stock, 



Securities held as collateral for cash loans 

Mechanics 1 National Bank stock, 
Iron City National Bank stock, 
People's Insurance Company stock, . 
Marine National Bank (Pittsburgh) stock, 
Pittsburgh, Cinn. & St. Louis R.R. bonds, 
Mt. Oliver Incline Plane Company bonds, 
Allegheny Gas Company stock, 
Monongahela Navigation Company stock, 
Calumet Coke Company stock, 
Fifth National Bank, Pittsburgh, stock, . 
Monongahela Water Company stock, 
Calumet Coke Company stock, 
Pittsburgh, Alleg. & Manchester R.R. stock, 
Heal estate mortgages assigned, 



Summary of Assets Dec. 

( ash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

( lash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 
Gross assets, 



I'ar Value. 

$8,400 00 

13,300 00 

6,250 00 

10,000 00 

'16,500 00 

15,500 00 

5,000 00 

1,250 00 

10,000 00 

2,500 00 

250 00 

3,000 00 

8,000 00 

2,750 00 



Market Value. 

$14,448 00 
14,630 00 

8,250 00 
13,200 00 
28,215 00 
27,900 00 

6,500 00 

3,000 00 
11,000 00 

4,375 00 
275 00 

4,200 00 
14,880 00 

4,675 00 



$180,450 00 $253,048 00 



Market Value. 

$600 00 
1,288 00 
1,750 00 
1,650 00 
1,180 00 
2,100 00 

11,350 00 
3,360 00 
5,000 00 

12,500 00 
7,840 00 
5,000 00 

15,000 00 

10,000 00 



Loaned Thereon. 

$2,693 40 

950 00 
3,000 00 

9,500 00 
4,000 00 

10,000 00 
6,050 00 
2,500 00 
6,000 00 
6,500 00 



$78,618 00 $51,193 40 

31, 1890. 

$106,000 00 

285,770 00 

3,456 10 

253,048 00 

51,193 40 

1,033 99 

25,052 17 

725 81 

27,792 68 

$754,072 40 



* Value of lands mortgaged, $398,600 00 

Value of buildings thereon 219,800 00 



1890.] 



ENS. COS. OF OTHER STATES. 



177 



Liabilities. 

Losses Adjusted, unpaid, . 

is claimed and reported, . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid loss* -. , 
Unearned premiums on outstanding risk; 
Due and accrued for rent, salaries, etc., 
State and local ta\ 
Commissions and brokerage . . 
Gross liabilitii pt capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$20,231 17 
6,068 00 

,294 17 
2,708 14 

$23,586 03 

172,543 55 

654 53 

1,500 00 

4,166 31 



$202,450 42 

$551,621 98 
500,000 00 



Surplus over capital, $51,621 98 



I\< "ME. 

Fire premiums outstanding Dec. 31, 188 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premium-. . 
Net cash fire premiums received, 
Interest received on mortg ges, 

Interest and dividend- received from all other 
Income from rent-, 



Gross cash income, 



$26,748 00 
300,582 60 

1327,330 60 
27,792 63 

$299,537 97 
44,525 88 



sources, 



§255,012 09 

16,950 70 

15,577 36 

5,568 66 

$293,108 87 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$159,102 59 
7,301 76 



8151,800 83 
20,000 00 
52,361 73 
18,339 84 
6,740 87 
20,123 46 



Gross cash expenditures, . 



£269,366 73 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Tire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$28,472,209 00 $340,067 21 
. 25,806,025 00 300,582 60 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. 154,278,294 00 $640,649 81 
. 24,590,820 00 293,182 81 



. $29,687,474 00 §347,467 00 
933,294 00 10,741 32 



. $28,754,180 00 $336,725 68 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, . 



$3,378,777 00 

1,734,912 00 

147,869 00 

699,000 00 

20,000 00 

85,400 00 



"CITIZENS 1 INSURANCE COMPANY OF MISSOURI," 

ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business 1837.] 
Paid-up Capital, $200,000. 

J. B. M. Kehlor, President. John P. Harrison, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

North Missouri Railroad bonds, . . .. $90,000 00 

St. Louis United Elevator Company bonds, . 84,000 00 

Venice Elevator Company bonds, . . . 32,000 00 

Waco, Texas, city bonds, 25,000 00 

St. Joseph, Mo., city bonds, .... 15,000 00 

Advance Elevator Company bonds, . . . 10,000 00 

St. Louis Chamber of Commerce bonds, . . 7,000 00 

American Exchange Bank stock, . . . 18,000 00 



Market Value. 

$100,000 00 
86,520 00 
32,160 00 
26,187 00 
15,000 00 
10,050 00 
6,000 00 
31,320 00 



$281,000 00 $307,237 00 



Securities held as collateral for cash loans: — 

St. Louis United Elevator ( lompany stock, 
St. Louis United Elevator Company stock, 
American Exchange Bank stock, 
Washington, [nd., Gas Company bonds, . 



Market Value. 

$2,500 00 

15,000 00 

4,850 00 

9,000 00, 



Loaned Thereon. 

$2,000 00 
20,978 00 



$30,850 00 $22,978 00 



1890.] 



IXS. COS. OF OTHER STATES. 



179 



Si mmary of Assets Dec 
Cash value of unencumbered real estate, 
Loan- on mortgage of real estate (first liens*) 
[nterest accrued thereon, .... 
stocks ami i>on<K as per schedule, . 

Loans on collateral security, as per schedule, 

< lash in the office of the company, . 

( !ash deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 
( rross assets 



31, 1890. 

$1,000 00 

114,028 34 

2,401 00 

307,237 00 

22,978 00 

219 26 

8,281 69 

520 00 

11,275 84 



$467,894 13 



Liabilities. 

Losses adjusted, nnpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross Liabilities, excepl capital, 

Surplus as regards policy-holders, . 

raid-up capital, 

Surplus over capital, .... 



64 00 
1,099 00 

56,545 00 
2,255 00 



66,763 00 

$401,131 13 
200,000 00 

$201,131 13 



Income. 

Fire premiums outstanding Dee. 31, 1889, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Xet cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, . . 
Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Xet cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$11,091 50 
90,674 87 



$101,766 
11,012 


37 

84 


$90,753 
1,412 


53 
12 


$336 27 
6,924 87 


$7,261 
263 


14 

00 


$6,998 
529 


14 
51 



,341 41 



6,468 63 

4,110 82 

16,349 54 

$116,270 40 



* Value of lands mortgaged, . -. $207,435 00 

Value of buildings thereon, 72,000 00 

Amount of insurance held as collateral 60,000 00 



180 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid tor tire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$65,171 14 

393 60 

6,000 00 

14,782 41 

9,500 00 

6,443 00 

5,689 18 

$107,979 33 



Risks and Premiums. 



Fire risks outstanding- Dec. 31, 1889, 
Fire risks written during 1890, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1890, . 
Deduct risks expired and terminated, 



$7,137,781 00 
7,437,479 00 

$14,575,260 00 
6,347,964 00 

$8,227,296 00 
34,450 00 



Premiums. 

$95,200 00 
90,674 87 

$185,874 87 
78,956 87 

$106,918 00 
458 00 



5,192,846 00 $106,460 00 



$1,177,698 00 
1,177,698 00 



Miscellaneous. 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$6,924 87 
6,924 87 



$3,023,965 00 

57,908 00 

1,735 00 

749,798 00 

6,000 00 

157,500 00 



"CITY FIRE INSURANCE COMPANY OF THE CITY OF NEW 

YORK," NEW YORK, N. Y. 

[Incorporated April 26, 1833. Commenced business June 6, 1833.] 
Paid-up Capital, $210,000. 



Samuel Townsend, President. 



David J. Blauvelt, Secrt tary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York city bonds, $210,000 00 §220,500 00 

200 shares N. V. Central & Hudson River R.R., 20,000 00 20,300 00 

250 " Rensselaer & Saratoga Railroad, . 25,000 00 45,000 00 

500 " Long Island Railroad, . . . 25,000 00 21,250 00 



$280,000 00 |; , ,()7,O50 00 



1890.] 



INS. COS. OF OTHER STATES. 



181 



Summary ov Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, . 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums In course of collection (gross), 
Premiums more than ;> months due, $47 75 
( rross assets, ...... 



$26,300 00 

580 41 

307,050 00 

392 39 

17,463 90 

2,377 49 

2,047 98 



$356,212 17 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
State and local tax* .... 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$319 50 
5,127 81 

$5,447 31 
90 91 

$5,356 40 
20,631 52 
766 66 
100 00 
361 29 
245 99 



Surplus over capital, . 



27,461 86 

$328,750 31 
210,000 00 

$118,750 31 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on morto-ao-es, 

Interest and dividends received from all other 

Gross cash income, .... 



$1,213 29 
34,203 74 

$35,417 03 
2,095 73 

$33,321 30 
3,295 35 



sources, . 



,025 95 

1,481 75 

10,540 00 

$42,047 70 



* Value of lands mortgaged, 
Value of buildings thereon, . ' 
Amount of insurance held as collateral, 



$31,800 00 
27,900 00 
22,900 00 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 
Nel cash paid for lire losses, 

Cash dividends paid, 

( Sash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 



$22,614 89 
2,198 88 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$7,71-2,447 00 

5,944,051 00 

$13,657,098 00 

6,409,917 00 

$7,247,181 00 

171,458 00 



$20,416 01 

16,800 00 

4,881 87 

13,238 81 

1 16 85 

LS58 13 

$60,311 67 

Premiums. 

$44,448 01 
33,966 01 

$78,414 0£ 
36,169 03 

$42,244 99 

981 95 



$7,075,723 00 $41,263 04 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (8 per cent.), . 

Company's stock owned by directors, . 



$,299,700 00 

1,499,414 00 

15,097 00 

1,805,700 00 

16,800 00 

35,000 00 



"COMMERCE INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 
Paid-up Capital, $200,000. 

Garret A. Van Allen, President. E. Darwin Jenison, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $100,000 00 

160 shares National Commercial irk, Albany, 15,000 00 

150 " First National Hank, Albany, . . 15,000 00 

72 " National Exchange Bank, Albany, . 7,200 00 

70 " Albany City National lTk, Albany, 7,000 00 

60 " National Bank of Cohoes, . . 5,000 00 

50 " South End Bank, Albany, . . 5,000 00 

10 " Merchants' National Bank, Albany, 800 00 

25 " Holland Trust Company, X. V., . 2,500 00 



Market Value. 

$120,000 00 

45,000 00 

•_>7,000 00 

7,920 00 

7,000 00 

6,250 00 

5,500 00 

1,600 00 

5,375 00 



157.500 00 $225,645 00 



<).] 



LN'S. >S. OF uTHER -TAT - 






Securities a collateral for cash loans — 

3 Ameri mEi| ss ( mpany, 
First National Bank, Albany, 
N mercJal Bank. Alb 

10 •• Park Bank. Albany 

- : Bank. Alfa 

Albany L. Impl & hi _ Albany, 



Market Value. 

«) 00 

I 



- HMAKT AagSTS DEC 

value of unencumbered real est r 

_ _ - ~ 

Interest due or accrued thereon. 

ind bonds a - Inle, . 
- n collateral security - ledule, 

I -'i in the office of the company. . 
1 sited in bank. .... 

Interest due and accrued. .... 
I Drams in me of collection i _ 

Ren*- id accrued 

» ass 

Liabilities 

rod rep 
rned premiums on outstanding ris 
Com: sa - and broke _ 

Return premium- 

S3 liabilities pt capital. 

Surplus _ Is policy-holders, . 

1-up capital 



Surplus over capital, 



$13,800 00 

31. lfi 

00 
H 

00 

--" " 

00 

i.::~ 
n, 

5 66 

6 62 






Loncd There m. 
1500 00 

00 
00 



Income. 

Fire premiums outstanding - $4,825 27 

Premiums on risks written or renewed. . 118*599 31 

Total, |123,424 58 

Premiums now in course of collection, . . - o 62 

Entire premiums colled .... fU7,l 

- re-insurance and return premium-. . . 16,022 94 
sb fire premiums re ... 

Interest received on mort_ _ - ...... 

Interest and dividends received from all other source- 
Income from rents 

Gross cash income 



" 



|7 V4& . 



fio:.:-" •: 

15 74 
14,42 

. 8 i 

§119,789 68 



* Value of lands mortgaged. 
Value of buildings thereon, . 
Amount of insurance held as coll .. 



: : : : :: 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid. . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$64,878 94 
2,856 41 



$62,022 53 

16,000 00 

19,634 46 

11,088 88 

6,325 47 

7,188 56 

$122,259 90 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$ 14,505,408 00 $ 150,816 76 
. 12,084,743 00 118,599 31 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$26,590,151 00 $269,416 07 
12,008,304 00 122,787 89 



.$ 14,581,847 00 $146,628 18 
. 1,076,798 00 10,447 71 



.$13,505,049 00 $136,180 47 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, . 



$4,433,236 00 

2,957,135 00 

57,449 00 

780,000 00 

16,000 00 

47,850 00 



« COMMERCIAL INSURANCE COMPANY OF CALIFORNIA, 11 
SAN FRANCISCO, CAL. 

[Incorporated Feb. 26, 1872. Commenced business March 1, 1872.] 
Paid-up Capital, $200,000. 

John II. Wise, President. Charles A. Laton, Secretary. 



Detailed Statement <>f Stocks and Bonds. 

Par Value. 

1900 shares Merchants 1 Exchange Hank, . . $190,000 00 
Shasta County, Cal., bonds, .... 1 (>,;')» k) 00 
Portland, Ore., city bonds, .... 50,000 00 



Market Value. 

$42,750 00 
17,788 12 
57,250 00 



$256,500 00 $ 117,788 12 



1890.] 



INS. COS. OF OTHER STATES. 



185 



Securities held as collateral for cash loans 

90 shares California S. D. & T. Company, 

150 shares Spring Valley Water Works, . 
Santa Cruz, Cal., city bonds, . 



Summary of Assets Dec 

Casta value of unencumbered real estate, . 
Loans on mortgages of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
( ash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Gross assets, 

Deduct special deposits in other States, . 



Market Value. Loaned Thereon. 



§4,455 00 
14,175 00 
40,000 00 



Balance, $365,566 86 



§900 00 

8,000 00 

30,000 00 



$58,630 00 $38,900 00 

31, 1890. 

$4,500 00 

100,221 26 

424 01 

117,788 12 

38,900 00 

33,334 45 

37,183 15 

133 34 

85,662 48 

4,670 05 

$422,816 86 

57,250 00 



Liabilities. 
s claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Impairment of capital, 



$18,776 45 

182,135 60 

1,673 70 

1,691 79 

8204,277 54 

6,910 00 



197,367 54 

§168,199 32 
200,000 00 

$31,800 68 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



§77,080 96 

486,501 75 

$563,582 71 

82,145 59 

$481,437 12 

72,515 66 



§408,891 46 



* Value of lands mortgaged, 
Value of buildings thereon, i 
Amount of insurance held as collateral, 



8215,050 00 
89,200 00 
63,700 00 



186 FIRE, MARINE, AM) FIRE-MARINE [Dec. 31, 



Marine premiums outstanding Per. ;>1, 1889, . $3,075 79 

Premiums on risks written or renewed, . . 40,275 35 

Total, |48,351 14 

Premiums now in course of collection, . . 3,516 89 

Entire premiums collected, .... $39,83425 
Less re-insurance and return premiums, . . 8,514 57 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

( J ross cash income, 

KXPEXDITURES. 

Cash paid for fire losses, 

for marine and inland losses, . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



.122,103,931 00 
. 33,326,7G6 00 

.$55,430,697 00 
. 27,818,680 00 



.$27,612,017 00 
. 1,020,692 00 



f31,319 68 

12,294 96 

6,131 32 

$458,637 42 



$254,699 39 
11,359 08 
93,698 21 
35,976 99 
11,390 87 
34,197 72 

$441,322 26 

Premiums. 

•f: 1 . 15,906 63 
486,501 75 

$802,408 38 
455,852 03 

$346,556 35 
19,213 84 



.$26,591,325 00 $327,342 51 



$336,713 00 
2,581,195 00 

$2,917,908 00 
2,493,720 00 

$424,188 00 
38,500 00 



$16,086 85 
40,275 35 



56,362 20 

36,005 76 

$20,356 44 

3,037 50 



f385,688 00 $17,318 94 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Company's stock owned by directors, 



$4,848,3i;ii 00 

2,719,139 00 

243,321 00 

10,359 00 

536,000 00 

114,500 00 



1890.] 



[NS. COS. OF OTHER STATES. 



187 



"COMMERCIAL MUTUAL INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April, 1S42. Commenced business May, 1852.] 

W. Irving Comes, President. Henry I). King, Secretary. 



Detailed Statement of Stocks 



United States bond- 

American Exchange Bank stock, 

Market Bank stock, .... 

Corn Exchange Bank stock, 

Park Bank stock, .... 

Bank of State of New York, 

Bank of New York (N. B. A.), 

Gallatin National Bank, . 

Continental National Bank, 

Merchants" National Bank, 

Bank of Commerce stock, . 

Bank of America stock, . 

Nassau Bank stock, .... 

Market and Fnlton Bank stock, 

Detroit, Grand Haven & Mil. R.R. bonds, 

St. Nicholas National Bank, 

Erie Railroad bonds 

Morris <fc Essex Railroad bonds, 
Warren Railroad bonds, . 
45 shares Coast Wrecking Company, 
Newark, N. J , city bonds, 
Delaware, Lack. & Western Railroad bonds, 
Delaware & Hudson Canal Company bonds, 
N. Y., Lackawanna & Western R.R. bonds, 
Central Railroad of New Jersey bonds, 
20 shares Rensselaer & Saratoga R.R., 
100 " New York Central R.R , . 
400 " Long Island R.R., . 
Atlantic Mutual Insurance Company scrip, 



Securities held as collateral for cash loans : — 

Erie Railroad bonds, 

Morris & Essex Railroad bonds, 

10 shares American Exchange National Bank, 



and Bonds. 

Par Value. 

$100,000 00 

20,000 00 

2,500 00 

4,000 00 

10,000 00 

2,400 00 

3,700 00 

3,300 00 

5,000 00 

6,200 00 

5,400 00 

1,800 00 

2,500 00 

5,000 00 

900 00 

7,500 00 

10,000 00 

85,000 00 

9,000 00 

4,500 00 

13,000 00 

5,000 00 

15,000 00 

10,000 00 

8,000 00 

2,000 00 

10,000 00 

20,000 00 

101,940 00 



Market Value. 

$123,000 00 

31,000 00 

5,750 00 

9,720 00 

32,500 00 

2,688 00 

9,065 00 

9,900 00 

6,900 00 

9,796 00 

10,658 00 

3,906 00 

4,075 00 

11,500 00 

1,035 00 

9,600 00 

11,100 00 

39,200 00 

11,160 00 

180 00 

14,900 00 

6,500 00 

19,250 00 

12,700 00 

9,600 00 

3,900 00 

10,100 00 

17,200 00 

109,627 50 



$423,640 00 $546,510 50 



Market Value. Loaned Thereon. 

$13,100 00 >| 

3,720 00 I $15,000 00 
1,550 00 J 



,370 00 $15,000 00 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 

Stocks ami bonds, as per schedule, . 

Loans on collateral security, as per schedule, 
( lash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Salvage, 

Re-insurance and rent, .... 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 

Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and local taxes, 
Commissions aud brokerage, . 
Return premiums and re-insurance, . 
Gross liabilities, except scrip, . 

Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 



81, 1890. 

$546,510 50 

15,000 00 

35,977 47 

2,582 50 

20,490 -4:5 

29,968 35 

11,004 19 

2,002 19 



$664,135 63 



$30,202 00 
7,373 00 
38,844 48 
5,694 20 
7,649 23 
2,100 00 
2,075 33 
4,096 40 



98,034 64 

$566,100 99 
538,200 00 



Surplus over scrip, $27,900 99 



Income. 

Marine premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

(Iross cash income, 

Expenditures. 

Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . - 
( lasfa paid for interest on serip, 

for commissions and brokerage, 

for salaries of officers and employees, 

lor Stale and local ta\es, . 
for rent and incidentals, . 

Gross cash expenditures, .... 



$44,475 27 
302,472 77 

|346,948 04 
50,458 98 

$296,489 06 
110,731 67 



$185,757 39 
25,908 19 

$211,665 58 



$197,685 38 
28,090 52 



$169,594 86 

106 80 

14,205 88 

17,862 53 

1,454 97 

10,033 89 

$213,258 93 



1890.] IXS. COS. OF OTHER STATES. 189 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1889, . . $2,531,550 00 $43,479 8 
Marine risks written during 1890, . . . 30,444,283 00 -.472 77 



Total 832.>75,833 00 $345,952 .".7 

Deduct risks expired and terminated, . ~ 2,226 00 304,869 84 

In force at end of year 82.173. 7 $41,082 73 

Deduct amount re-insured, .... 34,734 00 _ _ 18 26 



Net amount in force, $2,138^73 

Miscellaneous. 
Premiums received from organization of company. 

sea paid from organization of company 9,347,2 

Marine and inland losses incurred during the year (estimated), 104.27: 



"THE COMMONWEALTH INSURANCE COMPANY OF NEW YORK." 

NEW YORK. N. Y. 

[Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886.] 
Paid-up Catitax, $500,000. 

M. M. Belding, President. Chas S. Babtow, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Valne. Market V 

United States legal tender notes, . . . $160,000 00 |160, 

New York city bonds 275.000 00 281,25 

Metropolitan Elevated Railroad bonds, . . 10. 000 00 11,2 

33 shares United New Jersey R R. & Canal Co., o0 "0 

100 •• Cin., Col., Chicago & St. Lonis RJL, 00 1 

50 ^ Merchants" National Bank, X. Y., . 2,500 00 

25 M National Bank of Commerce 

25 '• Bank of America, 

10 " Central National Bank, . 

50 " Bowery National Bank. . 
German-American Bank, . 



2,500 00 4,750 00 

■00 75 00 

) 00 15,450 00 



3.7." 4.6-7 ~ 

50 " New York Produce Exchange Bank, :. XX 



$480,550 00 8510,477 50 

Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $65,000 00 

Interest due or accrued thereon, . . . 795 83 

Stocks and bonds, as per schedule, . . . 510,477 50 

Cash in the office of the company, . . . 2,086 10 

* Value of lands mortgaged, $60,000 00 

Vaiue of buildings ihereon, . , 73,000 00 

Amount of insurance held as collateral, .... 



190 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash deposited in bank, . 

Interest due and accrued 

Premiums in course of collectioD (gross), 
( rross assets 



|88,298 89 
6,285 12 

26,442 28 



$694,335 78 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risk-. 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 

Surplus over capital, 



$5,951 58 

15,000 00 

103,224 34 

100 14 

1,500 00 

1,681 16 

605 91 



$500,000 00 
36,281 00 



128,063 13 
$566,272 65 



536,281 00 
f29,991 65 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 



Net collected, $30,192 85 

Premiums on risks written or renewed, . . 228,531 25 

Total, $258,724 10 

Premiums now in course of collection, . . 26,442 28 



Entire premiums collected, .... $232,281 82 

Less re-insurance and return premiums, . . 33,257 50 

Net cast lire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



52,419 00 
2,226 15 



$199,024 32 

3,137 50 

13,805 50 

$215,967 32 



Expenditures. 

( !ash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for lire losses, .... 

Interest paid SCrip-holderS, .... 

Casta paid for commissions and brokerage, 

tor salaries of officers and employees, 
for State and local taxes, 

for rent and incidentals, . 
Gross cash expenditures, .... 



$122,874 60 
12,460 66 



$110,413 94 

11 82 

13,706 11 

29,794 01 

4,774 25 

14,396 34 



$173,096 47 



1890.] 



INS. COS. OF OTHER STATKS. 



191 



Fire risk- outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$21,906,424 00 $220,378 90 
. 25,115,273 00 228,531 25 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount iv-iiiMircd, 

Net amount in force, . 



.$47,021,697 00 $448,910 15 
. 26,593,757 00 246,029 52 



. $20,427,940 00 $202,880 63 
88,500 00 707 98 



. $20,339,440 00 $202,172 65 



Miscellaneous. 

Premiums received from organization of company, . . $857,314 00 

Losses paid from organization of company, .... 461,954 00 

Fire losses incurred during the year, 114,407 00 

(ash dividends declared from organization of company, . 36,000 .00 

Company's stock owned by directors, .... 83,000 00 



"THE CONCORDIA FIRE INSURANCE COMPANY OF 
MILWAUKEE," MILWAUKEE, WIS. 

[Incorporated March 7, 1870. Commenced business March 22, 1870.] 
Paid-up Capital, $200,000. 

J. H. Inbusch, President. Gustav Wollaeger, Secretary. 



Detailed Statement of Bonds. 

Par Value. 

New Holstein, Wis., town bonds, ... $30 000 00 



Schleswig, Wis., town bonds, . 
Cook County, 111., bonds, . 
Chicago, 111., city bonds, . 
Washington County, 111., bonds, 
Cincinnati city bonds, 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, .... 
Bonds, as per schedule, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



10,000 00 
5,000 00 
40,000 00 
15,000 00 
40,000 00 



Market Value. 

$30,000 00 
10,000 00 
5,050 00 
41,050 00 
15,000 00 
43,000 00 



$140,000 00 $144,100 00 

31, 1890. 

$343,180 00 

3,526 49 

144,100 00 

3,832 15 

32,374 13 

2,677 77 

40,153 29 

$569,843 83 



* Value of lands mortgaged, $541,250 00 

Value of buildings thereon, . • 490,100 00 

Amount of insurance held as collateral, 198,050 00 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Losses adjusted, unpaid. . 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Liabilities. 



risks, 



§3,131 08 

4,528 71 

1,446 00 

|9,105 79 

940 97 

$8,164 82 

260,669 80 

7,382 00 



Surplus over capital, . 

Income. 
Fire premiums outstanding Dec. 31, 1889, . $36,005 43 
Premiums on risks written or renewed, . . 373,001 82 

Total, $409,007 25 

Premiums now in course of collection, . . 40,153 29 

Entire premiums collected, .... $368,853 96 
Less re-insurance and return premiums, . . 74,728 27 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 

Expenditures 



Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash, dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for Stale and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



.76,314 50 
11,517 87 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in fore 



.$44,589,948 00 

. 29,469,847 00 

.174,049,795 00 

. 81,531,665 00 

. $42,518,130 00 

. 2,229,982 00 



$270,216 62 

$293,627 21 

200,000 00 

$93,627 21 



$294,125 69 

19,630 33 

7,975 00 

$321,731 02 



$164,796 63 
12,000 00 

63,675 97 

22,925 00 

7,424 92 

27,871 01 



$298,693 5;; 

Premiums. 

$552,612 09 
873,001 82 



$925,613 91 
388,686 48 

$536,927 -is 
82,105 48 



.$40,288,148 00 $504,822 00 



1800.] 



INS. COS. OF OTHER STATES. 



193 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned b} 7 directors, .... 



$2,743,977 00 

1,516,375 00 

160,535 00 

137,667 00 

12,000 00 

144,300 00 



"CONNECTICUT FIRE INSURANCE COMPANY," HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 
Paid-up Capital, $1,000,000. 

J. D. Browne, President. Charles R. Burt, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . * . . $50,000 00 $60,500 00 

Dominion of Canada bonds, .... 100,000 00 105,000 00 

State of Georgia bonds, 25,000 00 26,625 00 

City of Hartford bonds, 15,000 00 15,450 Of) 

City of New Britain bonds, .... 15,000 00 15,750 00 

City of Middletown bonds, .... 20,000 00 21,200 00 

City of Erie, Pa., bonds, 10,000 00 10,300 00 

City of Richmond, Va., bonds, .... 50,000 00 50,000 00 

City of Urbana, O., bonds, .... 15,000 00 15,900 00 

St. Paul, Minn , city bonds, .... 23,000 00 23,000 00 

Mankato, Minn., city bonds, .... 15,000 00 15,000 00 

Toledo, O., city bonds, 10,000 00 10,500 00 

Cass County, Dak , bonds, .... 13,000 00 13,000 00 

Coffey County, Kan., bonds, .... 10,000 00 10,000 00 

Wapello County, la., bonds, .... 10,000 00 10,000 00 

Tiffin, O., Gas Company bonds, . . . 11,000 00 11,000 00 

Minneapolis Gas Light Company bonds, . . 25,000 00 26,250 00 

Michigan Central Railroad bonds, . . . 20,000 00 24,000 00 

Quincy, Alton & St. Louis Railroad bonds, . 49,000 00 49,000 00 

New York, New Haven & Hartford R.R. bonds, 40,000 00 50,800 00 

Broadway & Seventh Avenue Railroad bonds, 20,000 00 21,200 00 

Dayton & Michigan Railroad bonds, . . 25,000 00 26,250 00 

Chicago, Burlington & Quincy Railroad bonds, 13,900 00 12,920 00 

West Chicago Street Railroad bonds, . . 10,000 00 10,000 00 

Detroit, Lansing & Northern Railroad bonds, . 2,000 00 2,000 00 

Grand Rapids, Detroit & Lansing R.R. bonds, . 3,000 00 3,000 00 

New York & New England Railroad bonds, . 60,000 00 61,200 00 

Helena, Mou., sewerage bonds, .' . . 17,000 00 17,595 00 



194 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



CCntial Safety Deposit Co., Chicago, bonds, 
Chamber of Com. Safety Vault Co., Chic., bonds 
Traders 1 Safe and Trust Co., Chicago, bonds, 
Northwestern Telegraph Company bonds, 
690 shares Chicago, Burlingtou & Quincy R.R. 
150 " Chicago &, Northwestern Railroad, 
240 " N. Y , New Haven & Hartford R R 
300 " Pitts., Fort Wayne & Chicago R.R. 
114 " Boston & Albany Railroad, 
300 " N. Y. Central & Hudson River R.R. 
200 " Detroit, Lansing & Northern R.R., 
220 " Chicago, Rock Island & Pacific R R 
310 " Imp and Traders' Nat'l B'k, N. Y. 
125 " Farm and Mec. Nat'l B'k, Hartford 
412 " National Exchange Bank, Hartford 
300 " Hartford National Bank, Hartford, 
185 " First National Bank, Hartford, 
100 " iEtna National Bank, Hartford, 
150 " Phoenix National Bank, Hartford, 

93 " Charter Oak National B'k, Hartford 
100 " Mercantile National B"k, Hartford, 

45 " Conn. Trust & Safe Dep. Co., H'fd 
167 " First Nat'l B'k, Minneapolis, Minn 

22 " Second Nat B'k, New Haven, Conn. 
500 " Northwestern Telegraph Company 



Securities held as collateral for cash loans : 
Pratt & Whitney Co., Hartford, stock, 



Par Value. 

$25,000 00 
10,000 00 
10,000 00 
10,000 00 
69,000 00 
15,000 00 
24,000 00 
30,000 00 
11,000 00 
30,000 00 
20,000 00 
22,000 00 
31,000 00 
12,500 00 
20,600 00 
30,000 00 
18,500 00 
10,000 00 
15,000 00 

9,300 00 
10,000 00 

4,500 00 
16,700 00 

2,200 00 
25,000 00 



Market Value. 

$25,625 00 

10,200 00 

10,000 00 

11,250 00 

60,720 00 

15,600 00 

60,000 00 

45,000 00 

23,712 00 

30,000 00 

8,000 00 

15,400 00 

155,000 00 

12,750 00 

25,956 00 

45,000 00 

19,055 00 

10,500 00 

18,300 00 

9,486 00 

8,000 00 

6,300 00 

25,050 00 

2,970 00 

25,000 00 



$1,158,600 00 $1,396,314 00 



Market Value. 

$7,500 00 



Loaned Thereon. 

$4,300 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Cross assets, 

Deduct special deposits in other States, . 



31, 1890. 

$99,600 00 

• 752,200 00 

1,396,314 00 

4,300 00 

862 55 

134,334 99 

172,202 88 



1,559,814 42 
242,125 00 



Balance, $2,317,689 42 

* Value of lands mortgaged $991,125 00 

Value of buildings thereon, 954,900 00 

Amount of insurance held as collateral 705,900 00 



10.] 



[NS. CX)S. OF OTHER STATES. 



195 



Liabilities. 

sfi es claimed and reported, . 
sfi - imputed or resisted, 

Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
State and local tax 
Commissions and brokerage, . 
Return premiums, 

Gross liabilities, except capital, 
Deduct liability on special deposits. 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$112,075 23 
11,876 43 
807,322 85 
16,382 01 
3,284 82 
18,093 15 
18,355 28 

$987,389 77 
67,921 00 



$919,468 77 

$1,398,220 65 
1,000,000 00 

$398,220 65 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less reinsurance and return premiums. . 
Net cash fire premiums received, 
Interest received on mortgages, 



|1,123,015 05 

41,558 34 
Interest and dividends received from all other sources, . . 65,865 93 



$157,071 97 
1.364,745 63 

$1,521,817 60 
172.202 88 

$1,349,614 72 

226.599 67 



Gross cash income, $1,230,439 32 



Expenditures. 

Cash paid for fire losses, $580,952 60 

Cash dividends paid, 80,000 00 

Cash paid for commissions and brokerage, .... 196,528 11 

for salaries of officers and employees, . . . 94,987 05 

for State and local taxes, 26,010 70 

for incidentals, 82,807 76 



Gross cash expenditures, 



$1,061,286 22 



Fire risks outstanding Dec. 31, 1889 
Fire risks written during 1890, 



Risks and Preiiiums. 

Premiums. 

$115,397,842 00 $1,431,723 34 
114,138,672 00 1,364,745 63 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 



$229,536,514 00 $2,796,468 97 
104,370,653 00 1,257,181 69 



$125,165,861 00 $1,539,287 28 



1915 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from reorganization of company, . 
Losses paid from reorganization of company, 
Fire losses incurred during the } T ear, .... 
Cash dividends declared from reorganization of company, 
Dividends declared during the year (8 per cent.), 
Company's stock owned by directors, .... 



$12,299,346 00 

6,854,666 00 

624,844 00 

1,585,000 00 

80,000 00 

75,900 00 



" CONTINENTAL INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

F. C. Mooke, President. Cyrus Peck, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

250 shares American Exchange Natl Bank, . f 25,000 00 $37,500 00 

69 " Bank of America, . .. % . . . 6,900 00 14,628 00 

50 " Bowery Bank, .... 5,000 00 15,000 00 

1200 " Mechanics' National Bank, . . 30,000 00 61,500 00 

250 " Mercantile National Bank, . . 25,000 00 55,000 00 

350 " Merchants 1 National Bank, . . 17,500 00 26,250 00 

100 " Nassau Bank, .... 5,000 00 8,000 00 

382 " Phenix National Bank, . . . 7,640 00 10,314 00 

200 " Central Trust Company, . . 20,000 00 240,000 00 

1000 " Clev., Cin., Chic. & St. Louis R.R , 100,000 00 95,000 00 

500 " Lake Shore & Mich. Southern R.R., 50,000 00 53,500 00 

1600 " New York & Harlem R.R, . . 80,000 00 208,000 00 

1500 M N. Y. Cent & Hudson River 11.11., 150,000 00 150,000 00 

205 " N. Y , N. II. & Hartford R R , . 20,500 00 51,250 00 

1000 " Pennsylvania Railroad, . . . 50,000 00 50,000 00 

4000 " Pitts., McKees & Youghiogheny R R., 200,000 00 234,000 00 

1000 " United \. J, R.R. and Canal Co , . 100,000 00 >,000 00 

Atlantic & Gulf R.R bonds, .... 44,00000 19,28000 

Cedar Rapids, la. Falls & X. W. Wy bonds, . 50,000 00 16,000 00 

Central Railroad and BVg Co, of Ga. bonds, . 100,000 00 t,000 00 

Chicago, Rock Island & Pacific KM. bonds, . 100,000 00 . 100 00 

Chicago, Mil & St. I'anl Railway Co. bonds, . 50,000 00 ,500 00 

Chicago cV North Western R'y Co. bonds, . 50,001) 00 500 00 

Chicago. St. Paul, Minn & Omaha R'y bonds, 100,000 00 118,000 00 

Columbia & Greenville Railroad bonds, . . 50,000 00 ,500 00 

Elmira, Cortland A: Northern R.R. bonds, . 50,000 00 >oo 00 

Erie Railway Company bonds, . . . . 60,000 00 ''-7,000 00 



0.] 



I\- 5. OF OTHER STATES. 



197 



irolina A Northern R.R. bonds, 
nd Rapids, Lansing A Detroit R.R. bonds, 

iana, Bloomington vV- Western R.R. b< 
.tucky Central Railroad bon<U. . 
:in«l Railroad c y bon<l , 

Mil - item R.R. bon<: 

Qroad bond 
H Y I ntral .v Hudson River R R. bo: 
N Y . Lackawanna A Western R R bo 

Lake Erie A Western RR bonds 
Raleigh a: _ Air Line R R bonds, 

Richmond & Danville Railroad bonds, 
- Paul. Minn a: Manitoba R ail road bon< 
Portland, Oregon, water boi 
Riehnio: _ nia, bonds, 

State bon 
Ge _ ?tate bond 

rolina State bonds, 
United State- b«">n«i- 

. 



Par Value. 
00 
00 
00 

50,000 00 

,000 00 

100,000 00 

.000 00 

.000 00 

I 00 

00 

.000 00 

50,000 00 

00 

.000 00 

.-.ooo 00 

00 

00 

00 



ue. 

00 

47,500 00 

155,250 00 

,«XH) 00 

00 

"00 

00 

64.000 00 

00 

.000 00 

00 

00 

00 

.000 00 

00 

.00 

..000 00 

00 

) 00 



> : :•: 



•mart of Assets I>ec. : : : - 



i value of unencumbered real estate, 
- a mortgage of real estate (first li» r - 
Interest due or accrued thereon, 

- and bonds, as per schedule. . 
-"i in the office of the company, . 

:ed in bank 

Interest due and accrued 

Premiums in course of collecti gross 
Xotes taken for marine and inland ris 
Rents due and accrued. .... 
Premiums more than 3 months due. $111,515 

Gross assets4 

Deduct special deposits in other States. . 



68 



• 00 

171.510 00 

1 - 

72 00 

28, 

- 

22 .; 39 

120.233 12 



; " 587 48 M 
132*500 00 



Balance, $5,455,44- M 



* The company holds, also, instalment premium notes to the amount of $1,2-- . ' — hich 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition : 
exactly equal amount to the re-insurance liability, the entire sum c . : f " unearned pre- 



ue of lands mortgaged, |23i,lS0 00 

Value of buildings thereon, 24-5.950 00 

Amount of insurance held as collateral 216, 525 00 

:luding $600,000 special reserve fund, held under Xew York law. 



198 FIKE, MARINE, AM) FIRE-MARINE [Dec. 31 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 

Less re-insurance, . • * • 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Contingent reserve, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$207,821 40 
39,023 00 

$240,847 40 
15,931 38 

$230,916 02 

2,501,365 84 

31,054 00 

6,236 28 

1,512 00 

64,244 65 

150,000 00 

$2,985,328 79 
38,534 33 



$2,946,794 46 

$2,508,654 38 

1,000,000 00 

$1,508,654 38 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Inland premiums collected, 

Interest received on mortgages, 

Interest and dividends received from all 

Income from rents, .... 



Gross cash income, 



$298,569 87 
2,601,156 87 

$2,899,726 74 
349,854 51 



$2,549,872 23 
246,839 03 



other sources, . 



- $2,303,1)33 20 

47 72 

8,082 57 

197,217 99 

39,431 06 

. $2,547,812 54 



Expenditures. 
( lash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for lire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash p;iid for marine and inland losses, 

Cash dividends paid, . 

Cash paid for redemption of scrip, . 

[nteresl paid scrip-holders, 



$1,266,182 82 
44,369 58 

$1,888 07 
1,544 <>1 



$1,221,813 24 



3,344 03 

139,797 00 

1,309 00 

16 68 



1890.] 



ENS. COS. OF OTHER STATES, 



199 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for state and local taxes,. 

for incidentals, 

Gross casfi expenditures, .... 



$407,228 84 

252,333 23 

64,055 73 

195,150 13 

f 2,335,0-47 88 



Fire risks outstanding Dee. 81, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$531,281,076 00 $5,117,663 39 
.335,698,904 00 2,601,156 87 



Total 

Dednet risks expired and terminated, 

In foree at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$866,974,980 00 $7,718,820 26 
.287,584,383 00 2,754,719 97 



^579,440,647 00 $4,964,100 29 
7,356,014 00 63,559 82 



$572,084,633 00 $4,900,540 97 



Miscellaneous. 

Premiums received from organization of company, 

■s paid from organization of company, 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (14 per cent ), 
Company's stock owned by directors, 



$47,138,595 00 

26,204,289 00 

1,274,724 0») 

4,750,247 00 

140,000 00 

164,200 00 



"DELAWARE MUTUAL SAFETY INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835. J 
Paid-up Capital, $702,875* 

Tatnall Paulding, President. Henry Lylburn, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Philadelphia city bonds, f 85,000 00 $99,300 00 

Lehigh Valley Railroad bonds, . . . 23,000 00 23,575 00 

St. Louis city bonds, 100,000 00 104,500 00 



* During the past year the company has been entirely reorganized under an amended charter. 
The scrip-holders were given the privilege of converting all their scrip into stock at fifty dollars 
per share, half going to capital account and half to surplus. 



200 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Columbus, O , city bonds. . 
American Steamship Company bonds, 
Newark, N. J., city bonds, 
Camden, X. J., ciiy bonds, 
Springfield, 111 , city bonds, 
Pennsylvania Railroad stock, . 
Philadelphia & Reading Railroad bonds, 
Allentown Terminal Railroad bonds, 
Lehigh Valley Railroad bonds, 
Pennsylvania & New York Canal Co bonds, 
Philadelphia, Wil. & Bait. R.R. certificates, 
Tennessee State bonds, .... 
Philadelphia & Reading Railroad Car Trust, 



Securities held as collateral for cash loans 



Central New England & Western R.R. bonds, 

Boston United Gas Company bonds, 
500 shares Delaware & Bound Brook R R , 
600 " Baltimore & Ohio Railroad, . 

1250 " Lehigh Valley Railroad, 

Perkiomen mortgage bonds, 



Tar Value. 

$25,000 00 
40,000 00 
75,000 00 
30,000 00 
25,000 00 
25,000 00 

100,000 00 
50,000 00 

100,000 00 
50,000 00 
30,000 00 
3(3,500 00 
40,000 00 



Market Value. 

$25,500 00 
41,800 00 
77,250 00 
30,000 00 
26,000 00 
25,000 00 
99,250 00 
50,000 00 

102,500 00 
50,500 00 
29,100 00 
25,550 00 
40,000 00 



$834,500 00 $849,825 00 



Market Value. 



Loaned Thereon. 



$84,500 00 $50,000 00 



80,000 00 
55,500 00 
61,250 00 
30,000 00 



60,000 00 
50,000 00 
50,000 00 
25,000 00 



$311,250 00 $235,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate,. 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

( ash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Re-insurance, etc., 

Gross assets, 



31, 1890. 

$140,000 00 

106,200 00 

1,258 83 

849,825 00 

235,000 00 

4,526 95 

72,972 41 

1,020 83 

57,219 74 

21,771 58 

14,590 97 



$1,504,386 31 



• Value of lands mortgaged $129,50000 

Value of building* thereon 110,00000 

Amount of Insurance held as collateral 84,500 00 



1800.] 



INS. COS. OF OTHER STATES. 



201 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks 

Reclaimable on perpetual fire policies, 

Unpaid scrip ordered to be redeemed, 

Interest due or accrued on scrip, 

Due and accrued for rent, salaries, etc., 

State and local taxes, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$6,293 00 
43,358 00 

$49,651 00 

1,1*) 00 

$48,501 00 
166,284 60 

72 888 28 
2(3,755 00 
8,818 20 
4,272 90 
3,800 00 
7,713 49 



- $338,983 47 

. $1,165,402 84 
702,875 00 

. §462,527 84 



Income. 

Fire premiums collected during the year, . $220,487 66 
Less re-insurance and return premiums, . . 26,297 85 

Net cash fire premiums received, . . . $194,189 81 

Marine premiums collected during the year, . $287,708 20 
Less re-insurance and return premiums, . . 37,445 63 

Net cash marine premiums received, . . 250,262 57 

Interest and dividends received from all sources, . . . 57,413 72 

Income from rents, 2,300 00 

Deposits received for perpetual fire risks, . $1,472 50 

Received for increased capital, . . . 342,875 00 

Gross cash income, $504,166 10 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, , , 



$132,153 62 
13,034 23 



$913 50 



$88,421 51 

119,119 39 
1,948 00 
24,821 30 
38,292 46 
88,766 60 
17,963 82 

$379,333 08 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890,. 



Total,. . % . 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



.$ 18,974,156 00 
. 24,915,846 00 



. $43,890,002 00 
. 22,090,680 00 



$21,799,322 00 
288,177 00 



Net amount in force, $21,511,145 00 

Perpetual risks in force (not included above), 3,000,437 00 

Marine risks outstanding Dec 31, 1889, . . $8,214,694 00 
Marine risks written during 1890, . . . 38,736,093 00 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



. |46,950,787 00 
. 40,675,482 00 



Premiums. 

$174,572 22 
248,732 20 

$423,304 42 
184,169 51 



$239,134 91 
2,312 23 



$236,822 68 

76,724 50 

$37,654 97 

282,060 48 



^319,715 45 
277,560 20 



1,275,305 00 $42,155 25 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Company's stock owned by directors, . . . . 



$26,536,284 00 

15,697,106 00 

76,046 00 

110,742 00 

2,261,981 00 

37,775 00 



"THE DENVER INSURANCE COMPANY," DENVER, COL. 

[Incorporated Dec. 6, 1888. Commenced business May 1, 1889.] 
Paid-up Capital, $200,000. 

J'u i lip Feldiiausek, President. J. A Pekkins, Secretary. 



Detailed Statement of Stocks and Bonds. 
Securities held as collateral for cash loans: — 



Lotos CI lib mortgage bonds, 
236 shares Denver Tramway Co., 
300 " E.F. Hallack Lumber & Manuf.Co. 
80 " Denver National Bank, . 



Market Value. Loaned Thereon. 

$300 00 $250 00 

23,600 00 10,000 00 

45,000 00 15,000 00 

16,000 00 5,000 00 



f84,900 00 |80,250 00 



1890.] 



INS. COS. OF OTHER STATES. 



203 



Summary of Assets Dec. 31, 1890.* 



Loans on mortgage of real estate (first liensf), 

Interest due or accrued thereon, 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 
Notes taken for tire risks, .... 
Premiums more than 3 months due,. $641 98 
Gross assets, 



1268,995 00 

4,674 65 
30,250 00 

1,751 66 

19,687 81 

362 33 

14,371 97 

3,292 21 



1333,385 63 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Bills payable, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



$11,260 78 
6,704 86 
1,300 00 

$19,265 64 
1,975 00 

$17,290 64 

105,699 40 

175 00 

3,357 69 

1,731 24 



$16,651 15 
910 85 



$15,740 30 
233,064 42 

$248,804 72 
18,026 51 

$230,778 21 
60,587 10 



128,253 97 

$205,131 66 
200,000 00 

$5,131 66 



$170,191 11 



* The company holds, also, instalment premium notes to the amount of $41,589.56, which do 
not enter into nor form any part of the assets of the company, as no portion of them is earned. 
"Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of " unearned 
premiums." 

f Value of lands mortgaged, . ' $584,650 00 

Value of buildings thereon, 290,700 00 

Amount of insurance held as collateral 159,850 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from commissions on loans, . 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$59,563 91 
5,579 63 



$18,042 66 
1,958 35 
1,120 32 

$191,312 44 



$53,984 28 

35,093 94 

23,654 43 

3,431 95 

22,818 72 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$4,788,204 00 
16,704,733 00 



.$21,492,937 00 
. 8,429,497 00 

. $13,063,440 00 
771,820 00 



$138,983 32 

Premiums. 

$74,906 99 
233,064 42 


$307,971 41 
120,388 01 


$187,583 40 
11,087 36 



.$12,291,620 00 $176,496 04 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Company's stock owned by directors, 



$326,115 00 
62,484 00 
68,763 00 
46,100 00 



"THE DETROIT FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated Feb. 1, 1860. Commenced business March 14, 1866.] 
Paid-up Capital, $350,000. 

William A. Butler, President. James J. Clark, Secretary. 



Detailed Statement of Bonds. 

Par Value. 

Ausable, Mich., village bonds, . . . . $9,000 00 
Constantino, Mich., village bonds, . . . 8,5( )0 00 

Detroit sewer bonds, 500 00 



Market Value. 

$9,000 00 

8,500 00 

500 00 



Security held as collateral for cash loan 
Mortgage assigned, . • . 



$13,000 00 $13,0(10 00 

Market Value. Loaned Thereon. 

$31,000 00 $7,500 00 



1890.] 



INS. COS. OF OTHER STATES. 



205 



Summary <>f Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 

Loan- on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 

Bonds, as per schedule 

Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest and rents due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Advanced on losses and claims, 
Premiums more than 3 months due, $3,400 42 
Gross assets, 



$(57,081 78 
870,158 95 

17,742 91 

13,000 00 
7,500 00 
3,148 36 

25,312 07 
1,403 03 

23,507 26 
4,331 05 
3,535 59 



$1,036,721 00 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except eapital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$2,642 34 

6,325 51 

133,332 69 

23 08 

3,288 29 

1,506 54 



147,118 45 

$889,602 55 
350,000 00 

$539,602 55 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, ... 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 



f28,498 30 
215,985 92 

$244,484 22 
26,907 68 

$217,576 54 
32,144 65 



$4,085 62 

49,916 00 

$54,001 62 

4,331 05 

$49,670 57 

12,304 44 



- $185,431 89 



37,366 13 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,048,385 00 
. 1,033,350 00 
. 575,723 00 



206 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, 



$51,971 46 
5,209 69 
1,204 82 

$281,183 99 



Expenditures. 

Cash paid for fire losses, 

( Sash paid for marine and inland losses, . 
Cash dividends paid, 

( ash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 

for incidentals, 

for profit and loss account, 

Gross cash expenditures, .... 



$89,874 35 
18,076 19 
35,000 00 
28,548 21 
19,065 74 
14,358 79 
15,391 54 
565 12 

$220,879 94 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 



Total, 

Deduct risks expired and terminated, 

Tn force at end of year, 



.$21,053,190 00 
. 19,321,628 00 

.$40,374,818 00 
. 18,388,990 00 



rremiums. 

$247,743 95 
215,985 92 

$463,729 87 
207,539 23 



.$21,985,828 00 $256,190 64 



$131,000 00 
3,592,162 00 

$3,726,162 00 
3,606,162 00 



$5,270 82 
49,916 00 

$55,186 82 
50,531 07 



$120,000 00 $4,655 75 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Murine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, . . . . 



$4,788,533 00 
2,499,309 00 
88,396 00 
10,993 00 
570,000 00 
35,000 00 
94,900 00 



L890.] 



INS. COS OF OTIIKK STATES. 



207 



"Till-: EMPIRE STATE INSURANCE COMPANY," 
ROCHESTER, X Y. 

[Incorporated March 20, 1888. Commenced business March 20, 18S8.] 
Paid-up Capital, $200,000. 



Henri Mich lels, Rr< sident. 



James Johnston, Secretary. 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $241,657 65 

[nterest due or accrued thereoD, . . . 1,331 18 

Cash in the office of the company, . . . 10,283 67 

Cash deposited in bank, ..... 77,430 '. ,| ') 

Premiums in course of collection (gross), . 9,717 69 

Notes taken for fire risks, .... 941 7*1 

Re-insurance duo, 1,442 7.3 

Gross assets, 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, exeept capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Unlawfully assessed taxes returned, 

Gross cash income, 



$0,363 02 
5,963 00 
2,850 00 

97,570 05 
1,943 55 



$13,661 81 

21 20 

$13,640 61 

191,450 94 

$205,091 55 

10,659 45 



$194,432 10 
37,030 00 



other sources, . 



f 342,805 61 



114,689 62 

$228,115 99 
20(\000 00 

$28,115 99 



$157,402 10 
9,305 89 
1,242 52 
5,934 10 

f 173,884 61 



* Value of lands mortgaged, 
Value of buildings thereon, 



$213,600 00 
338,050 00 



208 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, 



14,408 59 
901 99 



SI 13,506 CO 

29,894 17 

12,021 28 

6,031 78 

15,345 69 



$176,799 52 



Fire risks outstanding Dec 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$12,078,270 00 $160,103 94 
15,322,739 00 191,450 94 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$27,401,009 00 $351,554 88 
12,324,352 00 168,667 38 



$15,076,657 00 $182,887 50 
209,467 00 2,608 13 



$14,867,190 00 $180,279 3; 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Company's stock owned by directors, 



$381,900 00 

241,958-00 

106,525 00 

97,600 00 



" ENTERPRISE FIRE AND MARINE INSURANCE COMPANY OF 
THE CITY OF CINCINNATI;' CINCINNATI, O. 

[Incorporated December, 1866. Commenced business December, 1866. J 
Paid-up Capital, $200,000. 

James \V\ McCord, President. John C. Sherlock, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, . 



Cincinnati, Hamilton & Dayton R R 
Cincinnati Street Railroad stock, 
Third National Hank stock, 
Merchants 1 National Hank stock, 



stock, 



$84,000 00 

15,000 00 

10,000 00 

5,000 00 

5,000 00 



Market Value. 

$98,270 00 

14,700 00 

11,250 00 

8,250 00 

7,000 00 



$110,000 00 $139,470 00 



1890.] 



INS. COS. OF OTHER STATES. 



209 



Si'mmakv of Assets Dec. 31, 1890. 

$80,000 00 

139,470 00 

1,341 91 

3,174 41 

221 25 



Cash value of unencumbered real estate, 
Stocks and bond-, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 



Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross assets, 



9,577 21 
1,344 74 



$235,129 52 



Liabilities. 

Losses claimed and reported, . ... 

Unearned premiums on outstanding- risks, 
Commissions and brokerage, . 

Bills payable, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$1,460 33 

32,239 16 

534 02 

52 03 



34,285 54 

$200,843 98 
200,000 00 

$843 98 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 
Less re-insurance and return premiums, . 

Net cash lire premiums received, . . . 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



,184 72 
73,479 34 

$83,664 06 
9,577 21 

$74,086 85 
11,277 23 



$62,809 62 

196 67 

7,174 63 

10,592 48 



Gross cash income, $80,773 40 



Expenditures. 
Cash paid for fire losses, ..... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for ground rent, .... 



$49,325 36 
57 86 



Gross cash expenditures, 



$49,267 50 
10,526 78 
8,426 63 
4,780 46 
7,046 06 
6,500 00 

$86,547 43 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dee. 81, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In foree at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$5,304,499 00 
5,126,092 00 

$10,430,591 00 
5,459,559 00 

$ 4,971,032 00 

155,284 00 



Premiums. 

$79,047 39 
7:3,479 34 



$152,526 73 
86,672 08 



15,854 65 
2,089 27 



t ,815,748 00 $63,765 38 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



54,637,504 00 
3,033,518 00 

45,926 00 
320,000 00 

95,140 00 



"EQUITABLE FIRE AND MARINE INSURANCE COMPANY," 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced tmsiuess September, I860.] 
Paid-up Capital, $300,000. 



Fred. W. Arnold, President. 



James E. Tilling hast, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

500 shares Old National Bank, Providence, . $50,000 00 $58,000 00 

340 " National Bank of Commerce, Prov., 17,000 00 19,040 00 

200 " American National Bank, Prov., . 10,000 00 8,700 00 

80 " Third National Bank, Providence, . 3,000 00 3,210 00 

100 " Fourth National Bank, Providence, 10,000 00 12,100 00 

100 " First National Bank, Warren, R. I., 10,000 00 9,000 00 

200 " N. V. Central & Hudson RiverRH., 20,000 00 20,300 00 

200 " Qlinois Central Railroad, . . 20,000 00 19,400 00 

L00 " Lake Shore & Mich. Southern R.R., 10,000 00 11,050 00 

100 " Chic, Rock Island & Pacific R.R., . 10,00000 7,060 00 

LOO " Michigan Central Railroad, . . 10,000 00 9,300 00 

60 " Rhode Island & Massachusetts R.R., 6,000 00 5,000 00 

Km: » Chic., Burlington A: Quincy U.K., . 10,000 no 9,000 00 

60 " Wells, Fargo & c<». Express, . . 5,000 00 7,000 00 

Union Pacific Railroad bonds, . . . . 2:,,000 00 27,875 00 

New York Elevated Railroad bonds, . . 28,000 00 31,220 00 



1890.] 



INS. COS. OF OTHER STATES. 



211 



Pawtuxet Valley Railroad bonds, . 
Quincy, Alton & St. Louis Railroad bonds, 
National Water Works Company bonds, . 
Milwaukee City Railroad bonds, 
Chicago, Burlington A: Quincy 11.11, bonds, 



Securities held as collateral for cash loans: — 



Par Value. 

$22,000 00 

10,000 00 

19,000 00 

5,000 00 

1,000 00 



Market Value. 

$26,400 00 

10,500 00 

10,000 00 

5,000 00 

1,000 00 



$291,000 00 $310,145 00 



Market Value. Loaned Thereon. 

20 shares Mechanics 1 National Bank, Prow, . $1,140 00 $900 00 



Summary of Assets Dec. 31, 1890. 

(ash value of unencumbered real estate, . $129,900 00 

Loans on mortgage of real estate (first liens*), 89,650 00 

Interest due or accrued thereon, . . . 840 00 

Stoek< and bonds, as per schedule, . . . 310,145 00 

Loans on collateral security, as per schedule, . 900 00 

Cash in the office of the company, . . . 1,284 80 

Cash deposited in bank, 24,014 03 

Premiums in course of collection (gross), . 35,561 32 

Rents due and accrued, 1,537 50 

Premiums more than :> months due,. $479 21 

Gross assetsf, 



$593,832 65 



Liabilities. 



Losses adjusted, unpaid, .... 


$2,678 


00 




claimed and reported, . 


10,296 


00 




disputed or resisted, 


1,530 


00 




Unearned premiums on outstanding risks, 


177,468 


92 




Dividends to stockholders unpaid, . 


493 


50 




Due and accrued for rent, salaries, etc., . 


500 


00 




State and local taxes, .... 


1,250 


00 




Commissions and brokerage, . 


5,050 


94 




Return premiums and re-insurance, 


900 


00 




Gross liabilities, except capital, 






200,167 36 






Surplus as regards policy-holders, . 


$393,665 29 




i • • 


, 


300,000 00 


Surplus over capital, .... 


$93,665 29 




$127,050 


00 








00 


Amount of insurance held as collateral, 


. 


84,490 00 



+ Including $35,000 special reserve fund held under Rhode Island law. 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
' for State and local taxes, . 

for incidentals, . 

for expenses on real estate, 

Gross cash expenditures, . 



$25,828 24 
316,021 52 

$341,849 76 
35,401 85 

$306,447 91 
40,993 49 

$662 94 
11,080 23 

$11,743 17 
638 68 

$11,104 49 
4,872 00 



sources, 



$145,204 36 
711 68 

$6,459 17 
2,950 66 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$27,396,643 00 
28,713,227 00 



$56,109,870 00 
25,562,104 00 



$30,547,766 00 
765,550 00 



$265,454 42 



6,232 49 

5,135 81 

15,882 06 

7,483 94 

$300,188 72 



$144,492 68 



3,508 51 
21,022 70 
52,712 39 
19,380 00 

9,721 73 
22,234 27 

3,138 92 



176,211 20 



Premiums. 

$306,923 86 
316,021 52 

$622,945 38 
276,468 34 



$346,477 04 
7,562 69 



$29,782,216 00 $338,914 35 



1890.] 



INS. COS. OF OTHER STATES. 



213 



Marine risks outstanding Dec. 31, 1889, 
Marino risks written during 1890, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$117,108 00 
1,740,895 00 

$1,858,003 00 
1,713,613 00 

$144,390 00 
80,880 00 

$63,510 00 



Premiums. 

$1,053 01 
11,080 23 



$12,133 24 
10,747 48 

$1,385 76 
747 48 

$638 28 



Miscellaneous. 

Prom in ins received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marino and inland losses incurred during the year, 
(ash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, .... 



$3,914,866 00 

2,581,412 00 

131,269 00 

3,509 00 

494,000 00 

21,000 00 

72,720 00 



EXCHANGE FIRE INSURANCE COMPANY/' NEW YORK, N.Y. 

[Incorporated April 9, 1853. Commenced business May, 1853.] 
Paid-up Capital, $200,010. 



Richard C. Combes, President. 



Geo. W. Montgomery, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 
New York County bonds, 
Standard Gas Light Company stock, 



Par Value. 

$70,000 00 
23,860 70 
20,000 00 



Market Value. 

$84,000 00 
25,015 00 
20,000 00 



$113,860 70 $129,015 00 



Securities held as collateral for cash loans : — 



N. Y., Lackawanna & Western R.R. bonds, 
St. Louis & Iron Mountain R.R. bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Gallatin National Bank stock, . 
Lackawanna Iron & Coal Company stock, 
Shore Line Railway stock, 



Market Value. Loaned Thereon. 

$3,975 00 1 



2,060 00 



1,133 00 ( 

3,250 00 J 

7,200 00 

17,000 00 



\ $9,250 00 



17,000 00 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Home Insurance Company stock, 
Citizens' Insurance Company stock, 
North River Insurance Company stock, . 
Long Island Insurance Company stock, . 

Jersey City bonds, 

Ger.-Amer. Real Es Title & Guar. Co. stock, 
Standard Gas Light Company stock, 
Long Dock Company bonds, 
Grand Rapids Hydraulic Company bonds, 
American Steam Boiler Ins. Co. of N. Y. stock 
Hudson River (hem. & Dye Wood Co. stock, 
Niagara Insurance Company stock, . 
Orient Insurance Co. of Hartford stock, . 
Berkeley Lyceum Association bonds, 
Manufacturers 1 & Builders' Fire Ins. Co. stock 
New Jersey Dry Dock and Trans. Co. stock, 
Richmond & Danville R.R. bonds, . 
New York, Lackawanna & Western R.R. bonds, 



Market Value. Loaned Thereon. 


$1,475 00^ 




2,300 00 i 

1,422 00 i 


".,000 00 


i:::> 00J 




2,500 00 


1,800 00 


23,500 00 


14,000 00 


15,000 00 


13,500 00 


1,100 00 


950 00 


1,000 00 


650 00 


:, 11,100 00 


8,200 00 


15,000 00 


6,000 00 


1,600 00 


500 00 


500 00 ) 
500 00 S 


800 00 


2,200 00 


1,750 00 


1,875 00 


1,100 00 


5,750 00 


5,000 00 


2,200 00 


1,800 00 



$124,073 00 $87,300 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $92,950 00 

Interest due or accrued thereon, . . . 2,744 50 

Stocks and bonds, as per schedule, . . - . 129,015 00 

Loans on collateral security, as per schedule, . 87,300 00 

Cash in the office of the company, . . . 16,703 36 

Cash deposited in bank, 9,750 43 

Interest due and accrued, 3,291 00 

Premiums in course of collection (gross), . 25,735 42 

Notes taken for marine and inland risks, . 5,851 16 

Cross assets, f 378,840 87 



Liabilities. 






Losses claimed and reported, . 


$34,511 00 




Losses disputed or resisted, 


500 00 




Unearned premiums on outstanding risks, 


118,562 08 




Dividends to stockholders unpaid, . 


500 90 




Commissions and brokerage, . 


4,068 76 




Return premiums and re-insurance, 


1CS 14 




Gross liabilities, excepl capital, 




158,610 88 




Surplus as regards policy-holders, . 


$214,729 99 




. 


200,000 00 


Surplus over capital, 


$14,729 99 








80,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



215 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Los re-insurance ami return premiums, ■ 

Net cash tire premiums received, 

Marine premiums outstanding Dec. 81, 1889, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected. 

Less re-insurauce and return premiums 

Net cash marine premiums received, 

Interest received on mortgages, 

[nterest and dividends received from all other sources, 

Gross cash income, 



127,286 74 
277,884 77 



$305,171 51 

22,682 79 



2,488 72 

29, .-7s l:i 

|2,119 38 

59,367 53 

161,486 91 

8,868 24 

$52,618 67 
3,087 78 



$252,610 29 



49,530 89 
6,895 85 
8,695 90 

$317,732 93 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$213,980 58 
7,826 10 



$206,154 48 
51,274 09 

7,000 35 
65,358 50 
22,374 18 

6,441 83 
10,616 93 

$369,250 36 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$29,343,699 00 $214,229 02 
. 27,791,686 00 277,884 77 



Total 

Deduct risks expired and terminated. 

In force at end of year, 
Deduct amount re-insured, 



.$57,135,385 00 $492,113 79 
. 25,884,312 00 257,606 48 



.$31,251,073 00 $234,507 31 
. 1,131,591 00 7,722 61 



Net amount in force, . 



. $30,119,482 00 $226,784 70 



216 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Murine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at «id of year, 



$553,463 00 
6,240,284 00 



$6,793,747 00 
6,590,614 00 



Premiums. 

$22,263 16 
59,367 53 

$81,630 69 
76,460 96 



$203,133 00 $5,169 73 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3£ per cent.), 
Company's stock owned by directors, .... 



$5,203,478 00 

3,345,499 00 

199,626 00 

51,274 00 

424,626 00 

7,000 00 

102,300 00 



" FALLS CITY INSURANCE COMPANY," LOUISVILLE, KY. 

[Incorporated May, 1884. Commenced business June, 1884.] 
Paid-up Capital, $250,000. 

John T. Moore, President. A. H. McAtee, Secretary. 



Detailed Statement of Stocks 



Magnolia Cattle & Land Company bonds, 
Louisville Southern Railroad bonds, 
Cincinnati Incline Railroad bonds, . 
Union Warehouse Company stock, . 
Louisville Gas Company stock, 
Louisville, St. Louis & Texas Railroad, 



Securities held as collateral for cash loans : — 



8 shares Merchants 1 National Bank, 
20 shares Franklin Insurance Company, . 
Kentucky Public Elevator bonds, 

25 shares B. F. Avery & Sons Corporation, 

20 

.so 
130 

20 

20 ' 

3d 



Louisville Hanking Company, 
Kentucky Title Company, 
Curd & Sinton Manufacturing Co 
Kentucky Trust Company, 
Kentucky Savings Bank, 
Sun Life Insurance Company, 



and Bonds. 

Par Value. 

$5,000 00 
• 5,000 00 
10,000 00 
2,000 00 
10,000 00 
30,000 00 



Market Value. 

$5,500 00 

4,500 00 

11,000 00 

2,200 00 

13,500 00 

30,000 00 



$62,000 00 $66,700 00 



Market Value. Loaned Tliereon. 



$1,224 00 

1,000 00 
15,675 00 
11,250 00 

5,800 00 
10,000 00 
16,250 00 

1,050 00 
500 00 

2,625 00 



$800 00 

1,000 00 

10,000 00 

6,000 00 

10,000 00 
9,750 00 

2,500 00 



1890.] 



INS. COS. OF OTHER STATES. 



217 



11 shares Merchants' National Bank, 
50 shares Kentucky Wagon ManivTg Co., 
Louisville Southern Railroad bonds, 
Id shares Louisville City National Bank, 
45 " Union Cement and Lime Company, 
130 " Curd & Sinton Manufacturing Co., 



Market Value. 

$1,683 00 

6,000 00 

9,000 00 

1,100 00 

5,625 00 

16,250 00 



Loaned Thereon. 

$1,000 00 

3,000 00 

7,000 00 

1,000 00 

3,500 00 

9,750 00 



$105,032 00 $65,300 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*) , $133,097 81 

2,694 50 

66,700 00 

65,300 00 

2,820 69 

52,613 88 

3,131 46 

23,648 51 

660 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
( Sash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Gross assets, 



$350,666 85 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$4,081 78 

7,966 57 

62,090 42 

3,458 80 



77,597 57 

$273,069 28 
250,000 00 

$23,069 28 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $16,400 85 
Premiums on risks written or renewed, . . 125,129 21 

Total, $141,530 06 

Premiums now in course of collection, . . 23,648 51 

Entire premiums collected, .... $117,881 55 
Less re-insurance and return premiums, . . 1,573 47 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from commissions, 

Gross cash income, . . ' . . . . . 



$116,308 08 

16,481 02 

8,481 04 

$141,270 14 



* Value of lands mortgaged $562,237 00 

Value of buildings thereon, 279,430 00 

Amount of insurance held as collateral, .... 101,600 00 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire Losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ...... 

Casli paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 
•for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums . 



$79,87-4 66 
7,316 68 



$72,557 98 

20,000 00 

9,077 18 

8,606 67 

355 20 

7,221 48 



£6,264,851 00 
8,944,823 00 



$15,209,674 00 
6,651,438 00 



$8,558,236 00 
131,220 00 



Fire risks outstanding Dee. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Miscellaneous 
Fire losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$117,818 51 

Premiums. 

$81,925 49 
125,129 21 

$207,054 70 
88,111 83 

$118,942 87 
1,537 47 



5,427,016 00 $117,405 40 



$76,109 00 
68,568 00 
20,000 00 
92,000 00 



"FARRAGUT FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 
Paid-up Capital, $200,000. 

John E. Leffingwell, President. Samuel Darbee, Secretary. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $ 60,000 00 $73,200 00 

District of Columbia bonds, .... 60,00000 73,50000 

New York, Ontario & Western U.K. bonds, . 50,000 00 55,500 00 

New York, Chicago & St. Louis R.R bonds, . 15,000 00 18,650 00 

Central Railroad of Now Jersey bonds, . . 15,000 00 16,125 00 

Fourth National Bank stock, .... 10,00000 17,25000 

New York Produce Exchange Bank stock, . 5,200 00 6,032 00 

Clinton Bank stock, 6,000 00 7,200 00 

Long Maud Loan and Trust Company stock, . 25,000 00 52,500 00 

Brooklyn Gas Light Company stock, . . 11,250 00 13,050 00 

People's Gas Light Company stock, . . . 5,000 00 4,250 00 

Citizens' Gas Light Company stock, . . 4,000 00 3,900 00 



$266,450 00 $336,157 00 



1890.] 



ENS. COS. OF OTHER STATKS. 



219 



S unties held as collateral for cash loans : — 

Central National Bank stock, . 

Toledo city bonds, ...... 

Clinton Bank stock, 

Mahoning Coal Railroad stock, 



Market Value. Loaned Thereon. 



|3375 00 

5,000 00 
8,400 00 
9,000 00 



$2,500 00 

00 

5,000 00 

6,000 00 



775 00 $18,000 00 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $6,000 00 

Loans on mortgage of real estate (first liens*), 22,000 00 

Interest accrued thereon, 2 50 

Stocks and bonds, as per schedule, . . . 6,157 00 

Loans on collateral security, as per schedule, . 18,000 00 

Cash in the office of the company, . . . 39 07 

Cash deposited in bank 23,188 81 

Interest due and accrued 123 50 

Premiums in course of collection (gross . . 26,371 71 

Rents due and accrued, 42 00 

Office furniture and fixtures, . .$4,000 00 
Premiums more than 3 months due, 1,041 18 

Gross assets 



I 59 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Xet amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 

O 7 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital. .... 

Surplus over capital, . 



|4,665 63 

900 00 

$5,565 63 

25 12 

$5,540 51 

117,772 00 

2,128 26 

795 73 

5,577 94 



131,814 44 

$302,030 15 
200,000 00 

$102,030 15 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$29,000 00 
14,000 00 
12,800 00 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 81, 1889, 
Same not collected, .... 

Net collected, . . . . 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash lire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from all other sources, . 

Gross cash income, 



$26,577 54 
, 886 69 

$25,690 85 
190,132 53 

$2fco,823 38 
27,412 89 

$188,410 49 
21,776 69 



other sources, . 



$166,633 80 

1,290 00 

13,943 08 

484 60 

$182,351 48 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$70,168 09 
4,602 34 



$65,565 75 
20,000 00 
31,195 84 
23,583 34 
6,109 01 
18,345 59 

$164,799 53 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$29,209,399 00 $230,531 92 
. 22,994,825 00 190,132 53 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $52,204,224 00 $420,664 45 
. 22,472,553 00 183,367 59 



$29,731,671 00 $237,296 86 
1,138,631 00 8,383 69 



$28,593,040 00 $228,913 17 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (in pel - cent.), 
Company's slock owned by directors, . 



$2,858,764 00 

1,277,618 00 

61,717 00 

434,000 00 

20,000 00 

60,100 00 



1890.] 



INS. COS. OF OTHER STATES. 



221 



-FIRE ASSOCIATION OF NEW YORK," NEW YORK, X. Y. 

[Incorporated June 30, 1886. Commenced business June SO, 1886.] 
Paid-up Capital, $300,000. 

P. B. Armstrong, President. Jos. C. IIatie, Secretary. 

Detailed Statement of 8to< es and Bonds. 

Par Value. Market Value. 

District of Columbia bonds, .... $117,00000 $143,91000 

United States bonds 60,000 00 72,900 00 

Mutual Fire Insurance Co. certificates, . . 15,000 00 18,000 00 

Atlantic Mutual Insurance Company scrip, . 1,120 00 1,187 20 

Mercantile National Hank stock. . . . 10,000 00 22,500 00 

Importers 1 and Traders" National Bank stock, 5,000 00 29,000 00 

New York city bonds 124,000 00 131,285 00 

Metropolitan Elevated Railroad bonds, . . 5,000 00 5,700 00 

Union Elevated Railroad bonds, . . . 36,000 00 38,160 00 

Albany & Susquehanna Railroad bonds, . . 35,000 00 43,675 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses claimed and reported, .... 

Losses disputed or resisted, .... 

L x nearned premiums on outstanding risks, 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 

Surplus over capital and scrip, . 

Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



$408,120 00 $506,317 20 

31, 1890. 

$506,317 20 
394 15 

46,724 17 
88,943 35 

$642,378 87 



$40,444 49 

28,420 00 

213,673 06 



$300,000 00 
45,955 00 



282,537 bb 
$359,841 32 



345,955 00 
$13,886 32 



$44,282 45 
736,734 31 

$781,016 76 
88,943 35 

$692,073 41 
232,798 67 



$459,274 74 
23,965 78 

$483,240 52 



o ■) ■) 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

( lash paid for fire losses, 

Dedacl salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for salaries of officers and employees, 

for Si ate and local taxes, . 

for inspections and incidentals, 

Gross cash expenditures, .... 



$391,360 74 
27,371 57 



1368,989 17 
30,000 00 

71,812 17 

4,940 15 

17,693 75 

$488,435 24 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890,. 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $28,944,241 00 
. 65,956,547 00 



. $94,900,788 00 
. 51,340,813 00 

.f43,559,975 00 
. 7,173,172 00 



Premiums. 

f384,235 25 
736,734 31 

$1,120,969 56 
615,896 74 

$505,072 82 
78,451 33 



.$36,386,803 00 $426,621 49 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$1,518,954 00 

972,019 00 

335,787 00 

76,000 00 

30,000 00 

132,400 00 



"FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated March 20, 1820. Commenced business Sept. 1, 1817.] 
Paid-up Capital, $500,000. 

J. LlGHTFOOT, President. W. S. WiNsmr, Secretary. 



Detailed Statement of Stocks and Bonds. 



( it \ of Philadelphia bonds, 
( 'it v of ( lamden bonds, 
( 'it \ of < Hay ( lentre bonds, 
( 'it y of Richmond bonds, . 
( 'ity of Millville bouds, 
< it \ of ( lincinnati bonds, . 

State of < reorgia bonds, 

Northern Central Railroad bonds, 
( latawissa Railroad bonds, 



Par Value. 

$172,900 00 

1.500 00 

3,000 00 

25,000 00 

6,000 00 

125,000 00 

25,000 00 

168,000 00 

10,000 00 



Market Value. 

1582,396 00 

1,875 00 

.".,000 00 

30,000 00 

6,600 00 

161,250 00 

26,000 00 

193,200 00 

11,500 00 



L890.] 



[NS. COS. OF OTHER STATKS. 



223 



Lehigh A'mIIcv Railroad bonds, 
Shamokin Valley & Pottsville Railroad bonds 
Philadelphia ^v Erie Railroad bonds, 
Belt Railroad and stock Yard- bonds, 
Louisville & Nashville Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Texas vV Pacific Railroad bonds, 
Pennsylvania Railroad bonds, . 
North Pacific Railroad bonds, , 
Philadelphia & Reading Railroad bonds,. 
Pennsylvania Company ootids, 
Security Car Trust of Pennsylvania bonds, 
Baltimore & Ohio K.K bonds, . 
Pennsylvania & Nev? York HI!, bonds, . 
Lehigh Coal & Navigation Company bonds, 
Chamber of Commerce Association bonds, 
Masonic Temple bonds, .... 
Peoria Mercantile Library Association bonds 
Mortgage Trust Co. of Pennsylvania bonds, 
Philadelphia City Passenger Railroad bonds, 
2530 shares Pennsylvania Railroad. . 

331 " Phila., Germantown cV: Nor. R R 
70 " Chestnut Hill R.K., 

306 " Fire Association, . $104,040 00 



I'ar Value. 

$132,000 00 

20,000 00 

100,000 00 
50,000 00 
95,000 00 
30,000 00 
L3,000 00 

108,000 00 
50,000 00 
35,000 00 
34,000 00 
20,000 00 
25,000 00 
8,000 00 

100,000 00 
12,000 00 
20,000 00 
19,000 00 
50,000 00 
50,000 00 

120,500 00 

10,550 00 

3,500 00 



Market Value. 

8168,040 00 
24,200 00 

112,000 00 
56,500 00 

107,350 00 
31,200 00 
13,650 00 

130,500 00 
5 ! ,250 00 
33,000 00 
36,040 00 
20,000 00 
25,000 00 
8,960 00 

124,000 00 
12,000 00 
20,000 00 
19,000 00 
50,000 00 
53,500 00 

126,500 00 

41,375 00 

8,750 00 



$1,953,950 00 $2,271,636 00 



Securities held as collateral for eash loans : - 

Shamokin, Sunbury Oc Lewiston bonds, . 
200 shares Finance Co., Pennsylvania, 
200 " Investment Co , Philadelphia, 
200 " Lehigh Valley Railroad, 
51000 " Bait. & Ohio Equip. Association, 
Philadelphia & Reading Railroad bonds. 
617 shares Lombard & South Streets Railroad, 
700 " People's Passenger Railroad, . 
150 " Finance Company of Pennsylvania, 
225 " Real Estate Title Company, . 
Savannah & Western Railroad bonds, 
Newark Passenger Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
100 shares Lehigh C. and X. Company, . 
186 " Fidelity Ins., T. S. & D. Company, 
40 " Centennial National Bank, 
350 " Newark Passeuger Railroad, . 
Loaned on company's own stock, . $400 00 



Market Value. Loaned Thereon. 


$ 60,000 00 ^ 




1M000 °I> $117 000 00 
6,400 00 ® 117 ' 000 00 


9,800 00 J 




48,450 00^ 




7,737 50 1 
40,105 00 i 


93,800 00 


28,000 00 J 




8,550 00^1 




45,000 00 | 




44,000 00 } 


85,000 00 


45,000 00 | 




11,875 00 J 




4,800 00 \ 




78,120 00 i 
6,200 00 ! 


50,000 00 


3,500 00 ) 




$458,937 50 


|345,800 00 



2lM FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Simmahy of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



31, 1890. 

$129,991 00 

1,612,217 01 

30,332 54 

2,271,636 00 

345,800 00 

10,181 54 

156,938 20 

14,941 10 

250,532 41 

73 00 



$4,822,642 80 
56,000 00 



Balance, $4,766,642 80 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$76,088 75 

69,001 00 

16,426 34 

1,289,760 61 

1,849,000 75 

12,926 70 

42,936 05 

21,614 28 

3,186 31 

$3,380,940 79 
28,504 43 



3,352,436 36 

^1,414,206 44 

500,000 00 

$914,206 44 



Income. 

Fire premiums outstanding Dec. 31,1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$231,849 08 
1,979,410 52 



$2,211,259 60 
250,532 41 



$1,960,727 19 
266,365 12 



$1,694,362 07 



* Value of land h mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$2,134,825 00 
1,837,591 00 
1,211,875 00 



0.] 



INS. COS. OF OTHER STATES. 



225 



Interesl received on mortgages, $84,943 91 

Interest and dividends received from all other sources, . . 14:4,162 56 

Income from rents, etc., 3,946 69 

Deposits received for perpetual fire risks, . $54,569 34 

Gross cash income, $1,927,415 23 



Expenditures. 

Cash paid Cor fire losses, 

Dednct salvage and re-insurance, 

Net cash paid for lire losses, .... 

( lasfa dividends paid. 

Cash paid tor commission-; and brokerage, 

for salaries of officers and employees, 

for State and local tax 

for advertising and stationery, 

for incidentals, .... 

Deposits returned on perpetual fire risk-, 

Gross cash expenditures, .... 



-,872 46 
26,191 69 



$39,259 84 



$862,680 77 

200,000 00 

338,993 73 

140,896 28 

55,288 89 

30,01)1 72 

3,086 06 



. ? 1,631, 037 45 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1889, . $276,653,386 00 $4,315,650 56 



Fire risks written during 1890, . » 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Xet amount in force, . 
Perpetual risks in force (included above) 



.163,912,254 00 1,979,410 52 



$440,565,640 00 $6,295,061 08 
144,063,923 00 1,741,926 13 



6296,501,717 00 f 4,553,134 95 

4,008,979 00 54,953 56 



6292,492,738 00 $4,498,181 39 
. 83,426,930 00 1,994,946 68 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (40 per cent.), 

Company's stock owned by directors, .... 



$26,774,675 00 
. 15,189,606 00 

881,283 00 
. 3,979,762 00 

200,000 00 
59,650 00 



226 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"THE FIRE ENSURANCE COMPANY OF THE COUNTY OF 
PHILADELPHIA,' 1 PHILADELPHIA, PA. 

[Incorporated May SI, 1S32. Commenced business April 19, 1833.] 

Paid-ut Capital, $400,000. 

James N. Stone, President. Ciias. R. Peck, Secretary. 



Detailed Statement of Stocks and Bonds. 



Jersey City bonds, 

Lehigh Valley Railroad bonds, . , . 
Delaware & Bound Brook Railroad bonds, 
North Pennsylvania Railroad bonds, 
Catawissa Railroad bonds, 
Pennsylvania Company bonds, . 
Pennsylvania & N. Y. Canal and R 11. bonds, 
El mini & Willi am sport Railroad stock, . 
Huntingdon & B. T. R.R. and Coal Co. bonds 
Pittsburg, Cincinnati & St Louis R.R. bonds, 
American Steamship Company bonds, 
West Jersey Railroad bonds, . 
New York Car Trust bonds, 
United New Jersey R.R and Canal Co. bonds 
Philadelphia & Erie Railroad bonds, 
Pennsylvania Railroad bonds, . 
Junction Railroad bonds, .... 
Camden & Atlantic Railroad bonds, 
Belvidere Delaware Railroad bonds, 
Connecting Railway bonds, 
West Chester & Philadelphia Railroad bonds, 
Phil a , Germantown & Norristown R.R. stock, 
City of Camden bonds, .... 
Pennsylvania Railroad bonds, . 
Philadelphia and Reading Car Trust bonds, 
United ( 'om panics of New Jersey bonds, 
Germantown Passenger Railroad bonds, . 
Schuylkill River East side Railroad bonds, 
Pennsylvania Steel Company bonds, 
Baltimore & Ohio Equip. Association bonds, 
100 shares 2d and 8<J streets Passeqger R'yCo 
Pennsylvania & Northwestern 11.11. bonds, 
216 shares Pennsylvania Railroad, . 
Lehigh Valley Railway bonds, 
69 Bhares Natl Bank of Northern Liberties, 



Par Value. 

$9,000 00 

18,000 00 

24,000 00 

12,000 00 

4,000 00 

14,000 00 

10,000 00 

550 00 

10,500 00 

20,000 00 

4,500 00 

7,000 00 

5,000 00 

20,000 00 

10,000 00 

11,000 00 

7,000 00 

4,000 00 

1,000 00 

3,000 00 

2,000 00 

13,200 00 

1,000 00 

6,000 00 

5,000 00 

15,000 00 

10,250 00 

15,000 00 

15,000 00 

12,000 00 

5,000 00 

10,000 00 

10,800 00 

25,000 00 

3,450 00 



Market Value. 

$10,800 00 

23,150 00 

31,680 00 

15,000 00 

4,640 00 

14,910 00 

12,020 00 

495 00 

11,865 00 

23,800 00 

4,725 00 

7,560 00 

5,000 00 

23,400 00 

11,100 00 

13,860 00 

8,260 00 

4,640 00 

1,160 00 

3,480 00 

2,010 00 

34,320 00 

1,180 00 

6,960 on 

5,120 00 

38,787 00 

18,860 00 

15,600 00 

16,050 00 

12,120 00 

17,500 00 

10,400 00 

10,800 00 

26,000 00 

11,385 00 



$:) 13,250 00 f453,667 00 



1890.] 



INS. COS. OF OTHER STATES. 



227 



Securities held as collateral for cash loans: — 
lt")i) shares Baltimore & Ohio Railroad, . 

Bethlehem Iron Company DOIlds, 

81 shares Pennsylvania Steel Company, 
1100 " Philadelphia & Reading Railroad, 
100 " Metropolitan Traction Company, . 



Market Value. Loaned Thereon. 



f9,800 00 

3,000 00 

5,270 00 

17,050 00 

8,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans OH mortgage Of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in hank, .... 

interest due and accrued 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Perpetual deposits in other companies, . 

Gross assets, 



31, 1890. 

|66,060 00 

270,200 00 

LHU 21 

458,667 00 

:U,000 00 

189 71 

22,085 78 

894 67 

39/364 36 

547 15 

2,700 83 



$10,000 00 

4,000 00 

20,000 00 



$12,620 00 $31,000 00 



$901,253 74 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance aud return premiums, . 

Xet cash fire premiums received, 



$11,186 91 

12,410 01 

715 13 

129,309 56 

170,253 99 

188 00 

8,092 12 



$ 34,490 17 
238,929 95 

$273,420 12 
39,664 36 



$233,755 76 
31,718 97 



332,155 72 



$569,098 02 
400,000 00 



$169,098 02 



$202,036 79 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$587,350 00 
212,400 00 



228 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on morto-a^es, 

Interest and dividends received from all other 

Income from rents, 

Discounts on perpetual premiums, . 
Deposits received for perpetual lire risks, 

Gross cash income, .... 



sources, 



$26,055 52 



>12,494 29 

26,461 45 

1,017 02 

177 97 



§242,188 12 



Expenditures. 

( !ash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

( lash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$110,115 60 
2,224 32 



1,176 86 



$107,891 28 
27,812 00 
47,214 63 
10,417 32 
6,449 80 
16,022 87 



$215,807 90 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$17,835,386 00 
21,071,039 00 



,906,425 00 
17,612,882 00 



Premiums. 

$218,436 75 
238,929 95 

$457,366 70 
203,330 05 



.$21,293,543 00 $254,036 65 
428,690 00 3,954 67 



Net amount in force, $ 20,864,853 00 $250,081 98 

Perpetual risks in force (not included above), 7,170,154 00 187,487 71 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
( lash dividends declared from organization of company, 
Dividends declared during the year (7 per cent), . 
Company's stock owned by directors, 



$1,787,233 00 

1,029,405 00 

100,274 00 

536,408 00 

28,000 00 

82,100 00 



1890-] 



INS. COS. OF OTHER STATES. 



229 



"FIREMAN'S FUND INSURANCE COMPANY, 11 SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced bueinese June 18, 1863.] 
PAiD-ur Capital, $1,000,000. 



David J. Staples, President. 



Bernard Faymonville, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Omnibus Cable Company bonds, . . . $ 200,000 00 $235,000 00 

Market street Cable Railroad bonds, . . 58,000 00 66,250 00 

Powell street Railway bonds, .... 50,000 00 58,000 00 

Sutter street Railway bonds, .... 50,000 00 52,500 00 

Northern Railway bonds .... 50,00000 56,25000 

Oakland Gas Light and Heat Company bonds, 50,000 00 51,500 00 

San Diego Gas and Electric Light Co. bonds, . 20,000 00 20,600 00 

Riverside Water Company bonds, . . . 70,000 00 72,800 00 

California Dry Dock Company bonds, . . 48,500 00 49,712 50 

Pacific Rolling Mills bonds 20,000 00 20,600 00 

Union Iron Works bonds 4,000 00 4,100 00 

60 shares Bank of California, . . . 6,000 00 16,500 00 

107 " First Nat'l Bank, San Francisco, . 10,700 00 18,190 00 

100 " Anglo-California Bank. . . 5,000 00 7,750 00 

300 " Grangers' Bank of California, . 30,000 00 32,100 00 

450 " Oakland Bank of Savings, . . 22,500 00 31,500 00 

90 " Savings Bank of Santa Rosa, . 9,000 00 13,500 00 

1000 " California Street Cable Railroad, . 100,000 00 109,000 00 

550 " Presidio & Ferries Railroad, . . 30,250 00 13,750 00 

300 " North Beach & Mission Railroad, . 30,000 00 16,500 00 

440 " Sutter Street Railroad, . . . 44,000 00 39,600 00 

550 " Oakland Gas Light and Heat Co., 11,000 00 18,975 00 

250 " Stockton Gas Light and Heat Co., 10,000 00 10,000 00 

200 " Pacific Gas Improvement Co., . 6,666 66 13,700 00 

656 " California Dry Dock Company, . 65,600 00 20,992 00 

500 " Pacific Rolling Mills, . . . 50,000 00 50,000 00 



Securities held as collateral for cash loans 



$1,046,216 6Q $1,099,369 50 



Market Value. Loaned Thereon. 



60 shares Bank of California, 
188 " First Natfl Bank of San Francisco, 
440 " Masonic Hall Association, 
400 " Bank of Sonoma County, 

15 " Bank of Sonoma County, 



$16,500 00 

31,960 00 

5,060 00 

46,000 00 

1,725 00 



$35,000 00 

4,000 00 

35,000 00 

1,300 00 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



61 shares Bank of Sonoma County, . 
25 " Savings Bank of Santa Rosa, 
5 " Bank of Sonoma County, 
65 " Bank of California, 
25 " California Street Cable R.R. Co., 
50 " Eagle Canning Company, 
100 " Bank of California, 
2950 " American Biscuit Company, . 
25 " Bank of Sonoma County, 
200 " Loma Prieta Lumber Company, 
Park & Ferries Railroad bonds, 
331 shares Safe Deposit stock, . 
75 " Atlantic Dynamite, . 
66 " Giant Powder Company, 
6 " San Francisco Savings Union, 
400 " Sonoma Water Company, 
Northern Railroad of California bonds, . 
1500 shares Inyo Marble Company, . 
Northern Railroad of California bonds, . 
Sacramento County bonds, 
San Luis Obispo County, Cal., bonds, 
Fresno County, Cal., bonds, 
Territory of Arizona bonds, 
250 shares Omnibus Cable Company, 



Market Value, 

$7,015 00 

3,750 00 

575 00 

17,875 00 
2,725 00 
2,500 00 

27,500 00 

221,200 00 

2,875 00 

20,000 00 

52,500 00 

15,888 00 
3,187 50 
4,125 00 
2,700 00 

10,000 00 

69,750 00 
1,500 00 
9,000 00 
6,000 00 

18,900 00 
2,625 00 
7,700 00 

18,750 00 



Loaned Thereon. 

$1,300 00 
1,700 00 

6,500 00 

1,500 00 

750 00 

13,000 00 

91,500 00 

2,250 00 

7,500 00 

I 50,000 00 



6,500 00 

7,000 00 

50,000 00 

1,000 00 



} 50,000 00 



$629,885 50 $368,800 00 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, etc., 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$300,000 00 

324,925 00 

1,378 50 

1,099,369 50 

368,800 00 

14,942 00 

175,285 45 

7,598 64 

264,388 98 

60,256 65 

13,445 20 



|2,630,389 92 
50,000 00 

$2,580,389 92 



$841,850 00 
274,100 00 
144,350 00 



1890.] 



IXS. COS. OF OTHER STATES. 



231 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Bills payable, etc., .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 



$13,007 70 

78,202 27 

9,458 33 

$100,728 36 

18,615 03 

2,1X3 33 

954,305 05 
23,566 27 

15,149 11 

$1,075,138 70 

16,622 48 



$1,058,511 28 



$1,521,878 64 

Paid-up capital,. . . 1. ,000 00 

Surplus over capital, $521,876 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total 

Premiums new La course oi collection, 

Entire premiums collected, 

Less re-insurance and return premium 

Net cash lire premiums received. 

Marine premiums outstanding Dec. 31, 18 
Premiums on risks written or renewed 



Total 

Premiums now in course <->\ collection, 

Entire premiums collected, 

re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest received on mortg 
interest and dividends received from all other 

Income from rents, 

Gross cash Income, .... 



9,476 SG 
1,640,073 52 

$1,849,560 38 
242,158 94 

$1,607,391 n 

$69341 92 

:.70i 80 

4,606 12 

$321.11'.' 13 
144 



$1,158,548 89 



sour 



17. 
18,171 



232 FIRE, MARINE, AND FIRE-MARINE [Deo. 31, 



Expenditures. 

Cash paid for fire losses, . 
Deducl salvage and re-insurance, 
Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

( Jash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 

Gross cash expenditures, .... 



$630,887 34 
75,856 51 

$149,907 38 
65,119 38 



s030 83 



84,788 00 
120,000 00 
182,392 55 
112,654 77 

25,688 64 
127,906 08 

. $1,208,460 87 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$116,705,618 00 
119,453,876 00 

$236,159,494 00 
102,993,592 00 

$13^,165,902 00 
11,021,694 00 



Premiums. 

51,607,016 92 
1,640,073 52 



$3,247,090 44 

1,429,477 07 

$1,817,613 37 

218,549 28 



$122,144,208 00 $1,599,064 09 



$2,481,783 00 

22,276,144 00 

$24,757,927 00 

20,991,931 00 

$3,765,996 00 

1,447,932 00 



$165,116 19 
333,764 20 



|498,880 39 

314,073 30 

$184,807 09 
71,828 57 



$2,318,064 00 $112,978 52 



Miscellaneous. 

Premiums received from organization of company, 

I, <>-<<■< paid from organization of company, . 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

1 >i\ idends declared dming the year (12 per cent.), 

Company's stock owned by directors, . 



$19,174,008 00 

9,692,887 00 

525,768 "0 

98,158 00 

1,986,060 00 

120,000 00 

1 12,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



233 



"THE PRESIDENT AND DIRECTORS OF THE FIREMEN'S IN- 
SURANCE COMPANY OF BALTIMORE," BALTIMORE, MD. 

[Incorporated December, 1^.."). Commenced business Aug. 2, 1826.] 
PaTD-XJP Capital, $378,000. 

James M. Anderson, President, F. E. 8. Wolfe, Secretary. 



Detailed Statement of Stocks and Bonds. 



Maryland state bonds, .... 
Virginia State bonds, .... 

Tennessee state bonds, .... 
Baltimore city bonds, .... 
810 shares Commercial and Fanner-' X'l Bank 
132 " National Bank of Baltimore, . 

50 " Farmers 1 & Merchants 1 Nat/l Bank 
5 " Franklin Bank, 

58 " Merchants 1 National Bank, . 
808 " National Mechanics 1 Bank, 
200 " Nat'l Farmers' and Planters' Bank 

55 " People's Bank, 

50 " Baltimore Fire Insurance Co., 
200 " Howard Fire Insurance Company, 
238 " German Fire Insurance Company, 
100 " Associated Firemen's Ins. Co., 
B. & O. Southwestern Railroad bonds, 
Illinois Central Railroad bonds, 
Chesapeake Gas Company bonds, . 
Columbia & Greenville Railroad bonds, . 
Georgia. Car. & Northern Railroad bonds, 
Northern Central Railroad bonds, . 
Western North Carolina Railroad bonds, 
Ohio & Mississippi Railroad bonds, . 
Pittsburg & Connellsville Railroad bonds, 
Columbus & Cincinnati Midland R.R. bonds, 
Baltimore & Ohio R.R. Car Trust bonds, 
Baltimore & Ohio R.R. Equipment bonds, 
325 shares Baltimore City Pass. Railway, 
Frederick County, Md , bonds, . 

50 shares Georges Creek Coal & Iron Co., 
100 shares Consolidated Gas Company, . 
Corn and Flour Exchange Certificate, 



l'ar Value. 

$4,000 00 

37,.V>0 00 

34,000 00 

129,400 00 

81,000 on 

18,200 oo 

2,000 00 

500 00 

5,800 00 

8,08o 00 

5,000 00 

1,100 00 

500 00 

1,000 00 

2,380 00 

500 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

8,125 00 

20,000 00 

5,000 00 

10,000 00 

500 00 



Market Value. 
$1,000 00 

12,660 04 

23,800 00 

1 15,798 00 

40,455 00 

19,552 50 
8,150 00 

480 00 

8,584 00 

11,110 00 

9,900 00 

1,045 00 

1,12:> 00 

1,200 00 

4,284 00 

GOO 00 

9,900 00 

10,200 00 

10,550 00 

10,050 00 

10,350 00 

5,750 00 

5,000 00 

5,025 00 

5,737 50 

4,775 00 

10,000 00 

10,000 00 

20,325 00 

20,500 00 

5,750 00 

4,550 00 

200 00 



$414,041 00 $143,000 04 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



SUMMABT OF ASSETS DEC. 31, 1890. 



Cash value of unencumbered real estate, 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $112 70 
Cross assets, 



$146,875 00 

443,606 04 

7,328 00 

13,27G 59 

2,722 40 

11,247 49 

940 60 



$625,996 12 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Due and accrued for rents, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$9,044 05 

6,179 33 

1,554 39 

111,234 43 

1,743 73 

1,043 28 

190 25 

199 01 

3,025 96 



134,214 43 

§491,781 69 

378,000 00 

$113,781 69 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, .... 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . - 

[nteresl and dividends received from all sources, 
Income from rents, 



§19,538 93 
198,928 35 

§218,467 28 
11,247 49 

$207,219 79 
37,812 98 



Gross cash income, 



§169,406 81 

19,595 29 

7,865 48 

§196,867 58 



Expenditures. 

Cash paid for lire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for lire losses, . 

( lash dividends paid, 



$109,678 04 
2,836 04 



$106,842 00 
22,300 92 






L890.J 



INS. COS. OF OTHER STATES. 



235 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes,. 

for incidentals, ..... 



Gross cash expenditures, 



$31,873 87 

8,670 83 

10,640 01 

6,019 63 

$189,347 26 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Tire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in foree, . 



§23,679,961 00 
23,707,472 00 



. $ 17,387,433 00 
. 21,532,805 00 



. $25,854,628 00 
545,350 00 



Premiums. 

$191,993 82 
198,928 35 

$390,922 17 
172,428 48 

$218,493 69 
/ 4,855 51 



Perpetual risks in force (not included above), 50,100 00 



.$25,309,278 00 $213,638 18 
1,835 50 



MlSCELLANKOL'S. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the ye ir, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (6 per cent,), . 

Company's stock owned by directors, . . . . 



^6,391,964 00 

3,183,027 00 

108,741 00 

3,215,149 00 

22,680 00 

23,148 00 



"FIREMEN'S INSURANCE COMPANY, OF NEWARK, N J, 11 

NEWARK, N T . J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855.] 
Paid-up Capital, $600,000. 

John H. Kase, President. Chas. Colter, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . $30,000 00 §34,750 00 

Morris & Essex Railroad bonds, . . . 50,000 00 67,000 00 

Orange & Newark Railroad bonds, . . . 40,000 00 43,200 00 

Essex Passenger Railroad bonds, . . . 24,000 00 25,920 00 

Newark Electric Light and Power Co. bonds, 12,500 00 12,500 00 

East Orange Township bonds, .... 4,033 82 4,033 82 

Morris & Essex Railroad stock, . . . 65,000 00 93,600 00 

Delaware, Lackawanna & Western R.R. stock, 50,000 00 65,000 00 

United New Jersey Railroad and Canal stock, 13,900 00 31,553 00 

Newark City National Bank stock, . . . 20,000 00 30,000 00 

Second National Bank stock, .... 20,000 00 29,000 00 



236 FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 





Tar Value. 


Market Value. 


National Newark Banking Company stock, 


$20,000 00 


1,000 00 


National State Bank stock, . 


30,000 


00 


44,100 00 


Essex County National Bank stock, 


18,900 


00 


39,690 00 


German National Bank stock, . 


4,200 


00 


6,930 00 


Manufacturers 1 National Bank stock, 


10,000 00 


14,500 00 


American Insurance Company stock, 


20,000 


00 


40,000 00 


Newark Fire Insurance Company stock, . 


5,000 00 


8,500 00 


Paterson Gas Light Company stock, 


10,000 00 


10,000 00 


Newark Gas Light Company stock,. 


11,000 00 


24,200 00 


Citizens' Gas Light Company stock, 


11,850 


00 


20,145 00 


Newark and Rosendale Cement Co. stock, 


4,000 00 


4,800 00 




$474,383 


82 


$680,421 82 


Summary of Assets Dec 


31, 1890. 


• 




Cash value of unencumbered real estate, 


$122,679 


13 




Loans on mortgage of real estate (first liens*) 


932,290 


00 




Interest due or accrued thereon, 


14,026 


92 




Stocks and bonds, as per schedule, . 


680,421 


82 




Cash in the office of the company, . 


5,681 


24 




Cash deposited in bank, .... 


17,619 


07 




Interest due and accrued, .... 


5,150 


00 




Premiums in course of collection (gross), 


15,843 


47 




Rents due and accrued, .... 


1,715 


93 




Re- insurance, ...... 


11 


15 




Premiums more than 3 months due, $ 1,117 6S 








Gross assets, 






$1,795,444 73 


Liabilities. 








Losses adjusted, unpaid, .... 


$494 


15 




claimed and reported, . 


9,125 


90 




disputed or resisted, 


4,787 


40 




Total amount of losses, .... 


$14,407 


45 




Less re-insurance, 


25 


23 




Net amount of unpaid losses, . 


$14,382 22 




Unearned premiums on outstanding risks, 


215,495 


40 




Unpaid scrip ordered to be redeemed, 


1,963 


00 




Interest due or accrued on scrip, 


518 


23 




Commissions and brokerage, . 


2,438 


17 




Return premiums, 


1,364 


28 




Gross liabilities, except capital, 






236,101 30 






Surplus as regards policy-holders, . 


$1,559,283 43 


Paid-up capital, 


: : : 


# 


600,000 00 


Surplus over capital, .... 


$959,283 43 




. $2,210,4 


75 00 


Amounl of Insurance held an collateral, . 


. . . 1 


214.09.J 00 



188 



INS. COS. OF OTHER STATES. 



ZOi 



INCOME 
Fire premiums outstanding Dec. 31, 1889, 
I 

collected, 

isks written or renewed, 

T tal 

se of collection, 

Entire premiums collet 

-insurance and return premiums, 
-h tire premiums received, 
Inter - I on moi _ 
Interest and di ! from all other 
Income from rents 

3S ish income. 



W$ 91 

8*.733 16 
i 10 

I 8^29 2o 
16,961 09 

|S I 8 17 

31,111 04 



sour 



,457 13 

-.668 63 

4". . 22 

| ■•.,826 88 



Expenditures. 

b paid for fire losses 

-in-urance, 
Net cash paid for fir losses, . 

i dividends paid 

Interest paid scrip-hold 

- and broker. i_ . 
ries of officers and employ ~ 
for State and local ta\ 
for agency and incidental expenses, 

Gro-s cash expenditures 



I 88 
1 66 



|123,168 22 

72,000 00 
29 84 
46,021 - 
20, 1 

10,734 30 
18,762 13 

|S ,782 -7 



Fire itstanding Dec 31, 

risks written during 1890, 



Risks axd Premium-. 

Premiums. 

.$47,794,592 00 $416,646 72 
. 44,110,182 00 299,796 10 



Total 

luct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in for 



.$91,904,774 00 6716,442 82 
. 40,535,901 00 ',468 31 



.$51,368,873 00 $426,974 51 
. 1,191,700 00 11,105 35 



.177,173 00 §415,869 16 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 

Fire losses incurred during the year 

Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, . 



$5,465,623 00 

2,325,083 00 
121,077 00 

1,182,500 00 

72,000 00 

231,840 00 



238 FIRE, MARINE, AND ETKE-MARINE [Dec. 31, 



"FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 
PAiD-ur Capital, $400,000. 

James W. McAllister, President. Ezra T. Cresson, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Lehigh Valley Railroad bonds, . . . $15,000 00 $45,900 00 

Pennsylvania Railroad bonds, .... 20,000 00 25,000 00 

Pa & New York Canal and Railroad bonds, . 10,000 00 11,300 00 

Philadelphia, Wil.& Baltimore Railroad bonds, 28,000 00 28,300 00 

West Jersey & Atlantic Railroad bonds, . . 5,000 00 5,250 00 

Pennsylvania Car Trust bonds, . . . 1,000 00 1,000 00 

Philadelphia & Erie Railroad bonds, . . 10,000 00 9,800 00 

Marion County, Ind , C. H. bonds, . . . 10,000 00 10,000 00 

50 shares First National Bank, Philadelphia, . 5,000 00 11,750 00 

Pennsylvania Equipment Trust bonds, . . 2G,000 00 24,440 00 

Belvidere Delaware Railroad bonds, . . 21,000 00 21,000 00 

Quiney, 111, city bonds, 15,000 00 15,300 00 

50 shares Southwark National Bank, . . 2,500 00 6,000 00 

Gloucester County, N. J, bonds, . . . 31,000 00 31,000 00 

Northern Pacific; Railroad bonds, . . . 6,000 00 6,000 00 

Iowa City & Western Railroad bonds, . . 20,000 00 20.000 00 

National Water Works bonds, .... 25,000 00 25,000 00 

Delaware and Hudson Canal Company bonds, 10,000 00 10,000 00 

Delaware & Bound Brook Railroad bonds, . 8,000 00 8,800 00 

Lehigh Valley Railroad bonds, . ' . . 35,000 00 43,750 00 

Chicago & Western Indiana R lilroad bonds, . 15,000 00 16,500 00 

Pennsylvania Railroad Trust Loan, . . . 30,000 00 32,100 00 

Infantry Battalion of State Fencibles bonds, . 1,800 00 1,800 00 

Columbus & Cincinnati Midland R R. bonds, . 25,000 00 22,500 00 

125 shares Philadelphia,Wil.& Baltimore R.R, 6,250 00 6,875 00 

St. Paul, Minnesota & Manitoba R.R. bonds, . 4,000 00 4,400 00 

Stony Creek Railroad bonds, .... 4,00000 4,80000 

Baltimore & Potomac Railroad bonds, . . 26,000 00 31,830 00 

Pa. and New York Canal and Railroad bonds, 7,000 00 7,630 00 

West .Jersey Railroad bonds, .... 10,000 00 12,000 00 

Philadelphia & Reading Railroad bonds, . 24,000 00 25,680 00 

Hesf . Mantua & Fairmount Railroad bonds, . 10,000 00 L0,800 00 

Connecting Railroad bonds, .... 20,00000 23,60000 

Easton & Amboy Railroad bonds, . . . 25,000 00 27,500 00 

Huntingdon .V Broad Top Railroad bonds, . 5,000 00 5,000 00 

Lehigh Valley Railroad bonds, . . . 89,000 00 42,900 00 

Elmira & Williamsport Railroad bonds, . . 10,000 00 L0,500 00 

Phila., Wil. & Bait. Trust Certificate bonds, . 25,000 00 24,750 00 

X. V.. Lackawanna & Western R.B bonds, . 25,000 00 30,750 00 

West Jersey Railrdad bonds 22,000 00 2l,2oo 00 

NVw York Central Railroad bonds,. . . 25,000 00 25,500 00 



WO.] 



[NS. CX)S. OF OTHER STATES. 



230 



Soul - era Railroad bonds, 
Han ' Tt<m'th.Mt. Joy ft Lao. B EL bonds, 

vi;rati<~»n Company bon 
rthern Central Railroad bonds, . 
16 shares Continental Hotel Company, . 
Pennsylvania Company bonds, 
Steubenville vV: Indiana Railroad b 
Pennsylvania Salt Manufacturing- Co. bonds, 
Camden ft Atlantic Railro idl 

antral Railroad bond-. . 
Philadelphia ft Erie Railroad 

Mine Hill ft Schuylkill Haven R.R.. 
ranee on L 
Lehigh Val I Company bond-. 

Pennsylvania Car Trust 

-. . 
rthern Central Railroad bonds, . 
River Front Railroad bonds, 

Securities held as collateral for cash loans : - 

Philadelphia ft Reading Railroad bon 

Phila ft Reading R R. < al ft Iron Co. bonds, 

Western N. T. ft Pei - uiia Railroad bonds, 

vark Passenger Railroad bonds 
Union Pacific, Den. ft Cult Railroad bond-. 
N rthern Pacific Railroad bonds, 
Wabash Railroad bom 1 - 
North Pennsylvania Railroad bon 
Hnntingd m oc Broad Top Railroad bonds, 
Texas 0c Pacific Railroad bond-. 

era Union Telegraph Co., 
Texas £ Pacific Railroad. 
200 " Rich. A W. Point Terminal R R . 

Northern Pacific Railroad, 
: - Union Pacific Den & Gulf R.R . 

100 " Chic ois ft Pitts R.R . . 

225 " Philadelphia Traction Company. 
" Frank ft S -uthwark Pass. R.R* , 
" Metropolitan Traction Company, 
" Philadelphia Oc Reading Railroad, 
•45 " Elraira £ Wmsp*t Railroad. . 
110 " Huntingdon ft Broad Top R R.. 
United Gas Improvement Co , . 
German R. Est Dep-T'S. ft Trust Co , 
5 " Guarantee T. ft S D. Company, 
7 •' Security T Oc S D. Company. 
10 il National Bank of Republic, . 
o - Finance Co of Pennsvlvania, . 



| 

0% 
00 

00 

00 

.000 00 

47,000 00 

14,000 00 

17,000 00 

10,000 00 

25,000 00 

00 

00 

13, 

24*500 00 
10,000 00 
16,000 00 



Market Value. 

00 

2 

15,7* 

•_. 
_ . 00 
31.- 

16,4 

19,550 00 

li.: 

34. 

ll.-_" I 
21. 
IS, 
24." 
10.2 
I 



50 00 f : 

Market Valne. Loaned Thereon. 

$1- .- ©^ 

00 

I 
■_ 

1,11 

) 00 

00 

v '00 

- 

2, 

l.i' 
14.025 00 
22.742 00 

3,1 : ' 
: o oo 

1,450 : 
162 



■ 



240 FIRE, MARINE, AND EIRE-MARINE [Dec. 31, 



Pennsylvania Eqnip. Trnst, 

Susquehanna (toal Company, . 

50 share- Lehigh Valley Railroad, . 

Philadelphia & Reading Railroad, . 

1000 shares Pennsylvania Railroad, . 
300 " United Gas Improvement Co., 
400 " Philadelphia & Reading R.R., 
100 " Northern Central Railroad, . 
100 " Central Railroad Co. of N. Jersey 

Philadelphia & Reading Railroad, . 

Baltimore Traction, 

600 shares Huntingdon & Broad Top R.R., 

100 " W. Chicago Street Railroad, . 
90 " Thirteenth & Fifteenth St. Pass. R R 
20 " Continental Passenger Railroad, 
35 " Fourth Street National Bank, . 
25 " Northern Saving Fund S. D. & T. Co 

Chicago, Burlington & Quincy Railroad, . 

Philadelphia & Reading Railroad, . 

New York, Chicago & St. Louis Railroad, 

Nashville, Florence & Sheffield Railroad, 

Chicago, Rock Island & Pacific Railroad, 

Chicago, Milwaukee & St. Paul Railroad, 

Dakota & Great Southern Railroad, . 

Metropolitan Elevated Railroad, 

Nashville, Chattanooga & St. Louis Railroad 

Metropolitan Elevated Railroad, 

Missouri, Kansas & Texas Railroad, 

Metropolitan Elevated Railroad, 
100 shares New York & New England R.R., 
35 N. Y. Central & Hudson Riv. R.R 

1000 Philadelphia Traction Company, 

Atlantic City Railroad 

Duluth & Manitoba Railroad, . 

Philadelphia and Reading Coal and Iron Co , 

3100 shares Philadelphia & Reading Railroad, 
100 " Texas & Pacific Railroad, 
100 " Atchison, Topeka & Santa Fe R.R., 
18 " Phil., Germant'n & Morrist'n R.R., 

Pennsylvania Equip. Trust, 

1137 shares Pennsylvania Railroad, . 
6<>0 " Delaware iV' Bound Brook R.R , 
720 " Pennsylvania Railroad, . 

1000 " North Pennsylvania Railroad, 
500 " Philadelphia Traction Company, 

2500 " Philadelphia & Reading Railroad, 



Market Value. 
$47,000 00 > 
7,080 00 
2,450 00 
1,(500 0<> 
50,000 00 j> 
16,500 00 ' 
6,400 00 
6,600 00 
10,300 00 J 
16,500 00^ 
19,400 00 ' 
26,700 00 
10,900 00 
17,100 00 
2,400 00 
5,075 00 
2,250 00 J 
12,900 00^ 
12,000 00 
13,500 00 
4,800 00 
1,980 00 
2,280 00 
7,000 00 
1,140 00 J 
25,400 00^ 
22,800 00 
3,700 00 
1,030 00 
3,200 00 
3,500 00 J 
65,000 00 
5,100 001 
5,250 00 
2,040 00 
49,600 00 j> 
1,400 00 
2,800 00 
2,268 00 
8,760 00 
56,850 00 
96,000 00 
86,000 00 
80,000 00 
32,500 00 
40,000 00 



Loaned Thereon. 



$130,000 00 



!> 80,000 00 



}> 50,000 00 



> 50,000 00 



50,000 00 



50,000 00 



50,000 00 

72,000 00 
30,000 00 
60,000 00 
25,000 00 
25,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



241 



Lehigh Valley Railroad, .... 

West Short 1 Railroad, .... 

Philadelphia and Reading Coal and [ron Co , 

Pennsylvania & New York Canal Company, 

97 shares Lehigh Valley Railroad, . 

88 shares Girard L. A & Trust Company, 

New York. Philadelphia *Xr Norfolk Railroad, 

300 shares Huntingdon & Broad Top RR, 

Edge Moor Iron Company, 

State of Pennsylvania 

500 shares Pennsylvania Railroad, . 
90 M Thir & Fifteenth St. Pass R.R , 
37 " Commercial National Bank, . 
10 " Guarantee T. A S. D Company, 
10 " Real Estate Trust Company, . 
3 " Fire Association of Philadelphia, 

Philadelphia & Reading Railroad, . 

400 shares Chicago, Milwaukee & St Paul R.R., 

100 shares Atchison, Topcka & Santa Fe R.R , 

Columbus & Cincinnati Midland Railroad. 

New York. Philadelphia & Norfolk Railroad,. 

72 shares Thir. <Sc Fifteenth St. Pass Railroad, 

Record Publishing Company, . 

150 -har.- North Pennsylvania Railroad,. 

Central Railroad Company of New Jersey, 

Omaha & St. Louis Railroad, . 

100 shares Huntingdon & Broad Top Railroad, 
5 shares Pennsylvania Salt Manufactory, 



Market Value 

$7,500 00^1 
6,120 00 
4,000 00 
1,090 00 
4,753 00 
12,160 00 J 
20,600 00 ) 
13,350 00 S 
27,000 00 
28,100 00 
25,000 00 
18,240 00) 
2,109 00 J 
2,000 00 )> 
2,000 00 I 
1,050 00 J 
3,750 00 ^ 
20,000 00 £ 
2,800 00 ) 
16,200 00 
4,120 00 
13,680 00 
15,000 00 
12,000 00 
2,180 00 
500 00 
1,750 00 
500 00 



Loaned Thereon. 



[ $25,000 00 



25,000 00 

25,000 00 
22,000 oo 
20,000 00 



20,000 00 



20,000 00 

16,000 00 

10,000 00 

10,000 00 

8,500 00 

4,000 00 

400 00 



$1,315,314 00 $1,052,900 00 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited iu bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, .... 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



$308,150 00 

489,241 34 

9,024 61 

1,089,305 00 

1,052,900 00 

14,943 20 

180,465 89 

2,441 00 

66,759 36 



$29,482 03 

12,273 66 

6,324 00 



!,213,230 40 



* Total value of property mortgaged, 
Amount of insurance held ae collateral, 



$1,388,095 00 
589,183 34 



242 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

(iross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$439,140 66 

1,331,091 74 

550 00 

9,157 36 



- $1,828,019 45 

. $1,385,210 95 
400,000 00 



Surplus over capital, . 



Income. 

Fire premiums' outstanding Dec. 31, 1889, . $58,809 31 
Premiums on risks written or renewed, . . 549,823 50 

Total, $608,632 81 

Premiums now in course of collection, . . 66,759 36 

Entire premiums collected, .... $541,873 45 
I>ess re-insurance and return premiums, . . 61,953 20 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, etc , . 

Deposits received for perpetual fire risks, . $26,640 26 

Gross cash income, 



$985,210 95 



$479,920 25 
85,957 52 
54,389 60 
11,059 57 

$631,326 94 



Expenditures. 
Cash paid for fire losses, ..... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for repairs to real estate, . 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . . 



$34,525 79 



$227,547 49 
99,600 00 
85,583 28 
52,824 90 
22,998 42 
64,813 46 
2,850 38 

$556,217 93 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $76,122,994 00 
. 50,892,824 00 



$127,015,818 00 
. 47,956,224 00 



. $79,059,594 00 
. 1,608,632 00 



. $77,450,962 00 



Perpetual risks in force (not included above), 61,632,394 00 



Premiums. 

$854,906 91 
549,823 50 

1,104,730 41 
526,046 65 

$878,683 76 
16,298 07 

$862,385 69 
1,440,216 16 



L890.] 



INS. COS. OF OTHER STATES. 



243 



Miscellaneous. 
Premiums received from organization of company, 
- paid from organization of company, . 

Fire losses incurred during the year 

Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.),. 
Company's stock owned by directors, . 



$27,164,912 00 

14,604,713 00 

244,873 00 

4,934,000 00 

100,000 00 

30,700 00 



" GERMAN-AMERICAN INSURANCE COMPANY; 1 NEW YORK, N. Y. 

[Incorporated March, 1872. Commenced business March 7, 1872.] 
Paid up Capital, $1,000,000. 

Ehil Oelbebmann, President. James A. Silv ey, Secretary. 



Detailed Statement of Stocks 



United States bonds, . 

New York city bonds, 

Brooklyn city bonds, 

St Louis city bonds, . 

Atlanta city bonds, . 

Nashville city bonds, 

Albany & Susquehanna Railroad bonds, . 

Chicago, R. I. ft Pacific Railroad bonds, . 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, Burlington & Qniney Railroad bonds 

Central Pacific Railroad bonds, 

Cairo & Fulton Railroad bonds, 

Dakota & Great Southern Railroad bonds, 

Erie Railroad bonds, .... 

Fargo & Southern Railroad bonds, . 

Kansas Pacific Railroad bonds, 

Little Miami Railroad bonds, . 

Louisville & Nashville Railroad bonds, 

Missouri Pacific Railroad bonds, 

New York, Lack. & Western Railroad bonds 

New York Cen. & Hudson River R.R. bonds, 

New Y r ork, Chicago & St. Louis R R. bonds, 

Omaha & St. Loilis Railroad bonds, . 

Pennsylvania Company bonds, 

St. Louis, Kansas City & Northern R.R. bonds 

St Paul, Minn. & Man. Railroad bonds, . 

Syracuse, Binghamton & N. Y. R.R bonds, 

Union Pacific Railroad bonds, . 

100 shares Albany & Susquehanna Railroad, 

850 ' 
1600 ' 
1000 ' 

500 ' 
1233 ' 



Chicago, R. I. & Pacific Railroad, 
Cleve., Cin., Chic. & St,L. R.R., 
Cayuga & Susquehanna Railroad 
Chicago & Northwestern R.R., 
Delaware & Hudson Canal Co., 



and Bonds. 

Par Value. 

$210,000 00 

877,784 00 

75,000 00 

100,000 00 

25,000 00 

25,000 00 

75,000 00 

100,000 00 

130,000 00 

155,000 00 

55,000 00 

50,000 00 

50,000 00 

25,000 00 

100,000 00 

25,000 00 

85,000 00 

25,000 00 

25,000 00 

50,000 00 

100,000 00 

100,000 00 

45,000 00 

57,000 00 

55,000 00 

60,000 00 

30,000 00 

30,000 00 

50,000 00 

10,000 00 

85,000 00 

160,000 00 

30,000 00 

50,000 00 

123,300 00 



Market Value. 

$252,500 00 

919,923 00 

76,500 00 

105,000 00 

26,250 00 

26,250 00 

87,375 00 

109,750 00 

136,250 00 

167,100 00 

54,450 00 

55,000 00 

50,000 00 

25,000 00 

131,250 00 

25,000 00 

93,599 00 

27,500 00 

28,437 00 

52,563 00 

125,000 00 

110,000 00 

40,837 00 

30,780 00 

59,125 00 

63,300 00 

34,050 00 

39,000 00 

55,000 00 

15,500 00 

59,712 00 

147,200 00 

57,000 00 

68,500 00 

162,756 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Delaware, Lack. & Western R.R , 
Detroit, Hillsdale & S. W. R.R., 
Lake Shore & Michigan So. R.R., 
.Morris & Essex Railroad, 
Milwaukee, L. S. & Western R.R 
New York & Harlem Railroad, 
N. Y., N. H. & Hartford Railroad 
N. Y., Lack. & Western Railroad, 
N. Y., Providence & Boston R.R., 
Pennsylvania Railroad, . 
Rensselaer & Saratoga Railroad , 
American Exchange Nat'l Bank, 
Bank of America, . 
Bank of Commerce, 
Fourth National Bank, . 
German-American Bank, 
Consolidated Gas Company, . 
New York Mutual Gas Light Co., 
Standard Oil Trust, 
Pullman Palace Car Company, 
Western Union Telegraph Co., 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



shares 


200 


.. 


500 


it 


1200 


u 


500 


it 


2033 


ti 


74 


ti 


200 


it 


300 


ii 


1000 


u 


500 


u 


100 


It 


175 


11 


41 


II 


200 


II 


221 


II 


1000 


II 


300 


M 


500 


II 


200 


II 


1000 


II 



Par Value. 

$125,000 00 
20,000 00 
50,000 00 
60,000 00 
50,00p 00 

131,650 00 
7,400 00 
20,000 00 
30,000 00 
50,000 00 
50,000 00 
10,000 00 
17,500 00 
4,100 00 
20,000 00 
16,575 00 

100,000 00 
30,000 00 
50,000 00 
20,000 00 

100,000 00 



Market Value. 

$164,531 00 
18,200 00 
53,187 00 
85,200 00 
51,500 00 
362,037 00 
18,500 00 
22,000 00 
69,600 00 
50,250 00 
86,000 00 
15,000 00 
37,625 00 
7,790 00 
34,000 00 
19,890 00 
94,500 00 
36,000 00 
80,000 00 
36,000 00 
76,750 00 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less rc-iusurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk, 
Due and accrued lor rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct. Liability on special deposits, 



$4,210,309 00 $4,936,017 00 

31, 1890.* 

$4,936,017 00 

5,042 89 

• 390,632 83 

268,200 84 

$5,599,893 56 

150,000 00 



$5,449,893 56 



$34,223 19 

149,460 96 

20,623 56 

$204,307 71 
7,015 45 

$197,292 26 

2,042,118 65 

12,505 20 

51,418 70 

$2,303,334 81 
52,563 42 



2,250,771 39 



• [noludiog $000,000 special reserve fund hold under New York law. 



1890.] 



INS. COS. OF OTHER STATES. 



245 



Surplus as regards policy-holders, . 

Paid-dp capital, 



. 03,199,122 17 
. 1,000,000 00 



Surplus over capital, $2,199,122 17 



Income. 

Fire premiums outstanding Dec. 31,1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected. 

Less re-insurance and return premiums, . 

Net cash fire premiums received. 

Interest and dividends received from all sources, 

Gross cash income, 



§227,971 09 
2,988,389 24 

$3,216,360 33 
268,200 84 

$2,948,159 49 
566,514 44 



$2,381,645 05 
231,128 36 

$2,612,773 41 



Expenditures. 

Casli paid for fire losses, $ 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



,448,731 18 
147,285 61 



$1,301,445 57 
200,000 00 
394,468 67 
189,806 17 
62,103 26 
241,849 15 

$2,389,672 82 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$504,469,656 00 
309,002,242 00 

$813,471,898 00 
330,188,092 00 

$483,283,806 00 
13,240,056 00 



Premiums. 

$4,040,866 93 
2,988,389 24 

$7,029,256 17 
2,913,224 02 

$4,116,032 15 
122,812 64 



$470,043,750 00 $3,993,219 51 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



$28,423,860 00 

14,535,619 00 

1,342,433 00 

2,340,000 00 

200.000 00 

315,200 00 



246 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



"GERMANIA FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated March 2, 1859. Commenced business March, 1859.] 
Paid-up Capital, $1,000,000. 

Rudolph Garkigue, President. Charles Ruykhaver, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $1,114,000 00 

American Dock and Improvement Co.' bonds, . 25,000 00 

Atchison, Topeka & Santa Fe R.R bonds, . 25,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 

Chicago, Burlington & Quincy R R. bonds, . 25,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 

Chicago & North Western Railroad bonds, . 25,000 00 

Chicago, Rock Island & Pacific R R. bonds, . 25,000 00 

Chicago, St. Louis & New Orleans R R bonds, 25,000 00 

Chicago, St Paul, Minn. & Ohio R.R. bonds, . 25,000 00 

Cleveland, Col., Cin. & Ind. Railroad bonds, . 25,000 00 

Denver & Rio Grande Railroad bonds, . . 50,000 00 

Dry Dock, E. Broadway & Battery R.R. bonds, 10,000 00 

East Tennessee, Va. & Georgia R R. bonds, . 50,000 00 

Evansville & Terre Haute Railroad bonds, . 25,000 00 

Fargo & Southern Railroad bonds, . . . 20,000 00 

Flint & Pere Marquette Railroad bonds, . . 25,000 00 

Georgia State bonds, 25,000 00 

Hannibal & St. Joseph Railroad bonds, . . 25,000 00 

Kentucky Central Railroad bonds, . . . 25,000 00 

Lake Erie & Western Railroad bonds, . . 25,000 00 

Lake Shore & Michigan Southern R R. bonds, 25,000 00 

Long Island Railroad bonds, .... 15,000 00 

Metropolitan E Railroad bonds, . . . 25,000 00 

Michigan Central Railroad bonds, . . . 45,000 00 

Milwaukee & No. Railroad bonds, . . . 25,000 00 

Milwaukee & St. Paul Railroad bonds, . . 15,000 00 

Mississippi State bonds, 20,000 00 

New York, Brooklyn & Man. B. R.R. bonds, . 25,000 00 

New York Central & Hudson Riv. RR. bonds, 50,000 00 

Pittsburgh & W Railroad bonds, . . . 25,000 00 

Richmond city bonds, 50,000 00 

St. Paul, Minnesota & Manitoba Railroad bonds, 39,000 00 

Si. Paul & Northern Pacific Railroad bonds, . 10,000 00 

Third Avenue Railroad bonds, . . . . 25,000 00 

Toledo & Ohio Central Railroad bonds, . . 25,000 00 

Union E., Brooklyn, Railroad bonds, . . 15,000 00 

Union Pacific Railroad bonds, .... 50,000 00 

Wabash Railroad bonds, 25,000 00 

60 shares National Park Bank, . . . 5,000 00 



Market Value. 

,375,790 00 
26,500 00 
20,062 50 
27,312 50 
31,125 00 
54,750 00 
31,125 00 
31,250 00 
27,562 50 
28,937 50 
29,250 00 
49,125 00 
10,700 00 
53,875 00 
28,625 00 
22,900 00 
25,000 00 
25,625 00 
28,687 50 
20,093 75 
27,000 00 
30,812 50 
16,800 00 
28,687 50 
53,325 00 
26,500 00 
18,337 50 
20,000 00 
24,750 00 
59,250 00 
18,812 50 
50,450 00 
41,240 00 
19,440 00 
28,750 00 
26,250 00 
15,900 00 
56,750 00 
24,500 00 
16,600 00 



$2,189,000 00 $2,552,451 25 



1890. J 



INS. COS. OF OTHER STATES. 



247 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross) 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, 



31, 1890. 

$50,000 00 

189,500 00 

2,577 50 

2,552,451 25 

25,635 32 

55,864 95 

190,586 41 



$3,066,615 43 
76,075 00 

$2,990,540 43 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, . . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$68,472 75 
37,735 05 
10,174 67 

$116,382 47 
17,822 45 

$98,560 02 

1,060,448 23 

28,392 98 

$1,187,401 23 
31,299 89 



1,156,101 34 

51,834,439 09 
1,000,000 00 

$834,439 09 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $167,931 41 
Premiums on risks written or renewed, . . 1,532,853 30 

Total, $1,700,784 71 

Premiums now in course of collection, . . 190,586 41 

Entire premiums collected, .... $1,510,198 30 
Less re-insurance and return premiums, . . 366,864 37 

Net cash fire premiums received, . . . $1,143,333 93 

Interest received on mortgages, 7,061 97 

Interest and dividends received from all other sources, . . 111,125 26 

Gross cash income, $1,261,521 16 



* Value of lands mortgaged, r $114,500 00 

Value of buildings thereon, 229,000 00 

Amount of insurance held as collateral 179,500 00 



248 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for lire losses, .... 

( 'ash dividends paid, 

( ash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 



$689,950 25 
84,638 30 



$005,311 95 
100,000 00 
171,080 00 
113,806 72 
28,114 25 
111,240 81 

$1,129,553 73 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums 

Premiums. 

$245,504,079 00 $2,095,881 48 
179,392,171 00 1,532,853 30 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$424,896,250 00 $3,628,734 78 
165,747,252 00 1,435,031 70 



$259,148,998 00 $2,193,703 08 
18,180,777 00 173,988 82 



$240,968,221 00 $2,019,714 26 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 percent.), . 

Company's stock owned by directors, . 



$23,960,535 00 

, 12,005,942 00 

552,091 00 

. 2,201,000 00 

100,000 00 

219,200 00 



"GIRARD FIRE AND MAR[NE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1853. Commenced business May, 1853.] 
Paid-up Capital, $300,000. 



Alfred S. Gillett, President. 



Edwin F. Merrill, Secrc/ar//. 



Detailed Statement of Stocks and Bonds. 

Far Value. Market Value. 

United States bonds, $72,000 00 $87,840 00 

Louisville city bonds, 10,000 00 12,400 00 

St. Louis County bonds, 10,000 00 12,000 00 

CFnion Pacific Railroad bonds, . . . . 5,000 00 5,800 00 

Connecting Railroad bonds, .... 10,00000 11,80000 

Pennsylvania Railroad bonds, . . . . 10,000 00 I l>,400 00 

Philadelphia, Wilmington & Bait R R. bonds, 40,000 00 39,600 00 

Lehigh Navigation Company bonds, . . 11,000 00 11,880 00 



1890.] 



INS. COS. OF OTHER STATES. 



249 



Lancaster vV Reading Railroad bonds, 
North Pennsylvania Railroad bonds, 
Phil a and Reading Car Trust certificates, 

Topeka city bonds, 

Philadelphia & Reading Railroad bonds, 
Phil a & Darin- Passenger Railway Co. bonds 
Zanesville cv Ohio Railroad bonds, . 
Lower Merion Gas Company stock,. 
Holmesbnrg Water Company stock, 
Georgia state bonds, .... 
Hutchinson Water, Lighl & Power Co. bonds, 
Girard Fire and M. Ins. Co. stock, $48,260 00 



Securities hold as collateral for cash loans: — 



35 shares .Ltna Insurance Company, 

100 shares Schraeder M. and M. Company, 

Mortgage assigned, 

Allegheny Valley Railroad bonds, . 

Lehigh Valley Railroad bonds. 

Ohio & Mississippi Railway bonds, . 

2<> shares Pennsylvania Fire Insurance Co., 

Sunbnry, Haz. & Wilks. Railroad bonds, 

Loaned on company's own stock, . $5,700 00 



Tar Value. 

$10,000 00 
5,000 00 

35,000 00 
3,000 00 
2,000 00 
2,250 00 

10,000 00 
6,500 00 
1,000 00 

25,000 00 

10,000 00 



Market Value 

$10,700 00 

6,250 00 

35,000 00 

3,000 00 

700 00 

1,485 00 

7,500 00 

6,500 00 

1,000 00 

29,250 00 

9,750 00 



$277,750 00 $304,855 00 



Market Value. 

$9,100 00 
3,900 00 

10,000 00 
1,000 00 
6,250 00 
1,150 00 
6,000 00 
9,310 00 



Loaned Thereon. 

$500 00 
5,500 00 

600 00 
5,000 00 

900 00 
2,000 00 
8,000 00 



$46,710 00 $22,500 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest doe or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Kotes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, 

Perpetual insurance deposit, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $1,502,394 52 



31, 1890. 

$298,800 00 

715,800 00 

13,601 73 

304,855 00 

22,500 00 

26,836 39 

55,750 48 

1,688 80 

81,014 54 

7,136 38 

1,687 37 

338 83 

1,635 00 



,531,644 52 

29,250 00 



* Total value of property mortgaged, 
Amount of insurance held ae collateral, 



$2,269,764 00 
, 442,270 00 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



Income. 
Fire premiums outstanding Dec. 31, 1889, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., . 

Deposits received for perpetual fire risks, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

( lash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . . . 



$20,536 51 
2,441 00 



$22,977 51 
1,975 00 

$21,002 51 

339,239 54 

316,782 51 

2,771 89 

1,109 35 

25,844 58 

6,447 72 

3,536 92 



$75,346 37 
2,065 00 

$73,281 37 
520,994 50 

$594,275 87 
81,014 54 



$513,261 33 
63,501 74 



sources, 



,049 45 



$171,583 83 
10,136 39 



},977 75 



$716,735 02 

$785,659 50 
300,000 00 

$485,659 50 



$449,759 59 

40,859 46 

17,275 56 

8,513 16 



$516,407 77 



$161,447 44 
72,000 00 
87,830 13 
55,360 00 
14,647 00 
20,230 89 

$411,515 46 



1890.] 



INS. COS. OF OTHER STATES. 



251 



Risks and Premiums. 



Fire risks outstanding Doc 81, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (included above), 



.$70,317,013 00 
. 49,148,596 00 



$119,465,609 00 

40,270,742 00 



$79,194,867 00 
2,318,919 00 



$76,875,948 00 
15,253,493 00 



Premiums. 

$890,143 60 
520,994 50 

1,411,138 10 
390,900 23 

1,020,237 87 
28,222 12 

$992,015 75 
351,980 56 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 

Fire losses incurred during the year 

(ash dividends declared from organization of company, 
Dividends declared during the year (24 per cent.), 
Company's stock owned by directors, . . . . 



<9,051,920 00 

3,786,160 00 

167,420 00 

1,413,196 00 

72,000 00 

82,000 00 



" GLEN'S FALLS INSURANCE COMPANY," GLEN'S FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 
Paid-up Capital, $200,000. 



R. M. Little, President. 



J. L. Cunningham, Secretary. 



Detailed Statement of Stocks 

N. Y. Central & Hudson River R.R. bonds, 
New York & Harlem Railroad bonds, 
Lake Shore & Michigan Southern R.R. bonds, 
Syracuse, Bingham. & New York R.R. bonds, 
"West Shore Railroad bonds, .... 
Morris & Essex Railroad bonds, 
Hudson River Pulp and Paper Co. bonds, 

Georgia State bonds, 

Richmond city bonds, 

First National Bank, Glen's Falls, stock, . 
International Loan and Trust Company bonds, 
Jarvis-Conklin Mortgage Trust Co. bonds, 

Securities held as collateral for cash loans : — 
Morris & Essex Railroad bonds, 



and Bonds. 

Par Value. 

§200,000 00 

100,000 00 

50,000 00 

53,000 00 

50,000 00 

50,000 00 

106,000 00 

25,000 00 

10,000 00 

10,000 00 

100,000 00 

53,500 00 



Market Value. 

$250,000 00 

122,000 00 

60,500 00 

68,900 00 

50,000 00 

67,000 00 

106,C00 00 

25,000 00 

10,000 00 

20,000 00 

100,000 00 

53,500 00 



$807,500 00 $932,900 00 

Market Value. Loaned Thereon. 

$4,020 00 $3,000 00 



252 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Summary of Assets Dec 

Cash value of unencumbered real estate,. 
Loans on mortgage of real estate (first liens), 
Interest clue or accrued thereon, . . • 
Stocks and bonds, as per schedule, . 
Loan on eol lateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Premiums more than 3 months due, $1,507 33 

Gross assets,* . 
Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses,adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for salaries, taxes, etc.,. 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, ...... 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Knl ire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



81, 1890. 

$43,696 66 
699,345 88 

3,897 77 
932,900 00 

3,000 00 

5,532 80 
143,806 69 

2,022 50 

59,758 42 

580 97 



$1,894,541 69 
35,000 00 

$1,859,541 69 



$11,492 55 
3,619 00 
9,060 00 

$24,171 55 
1,338 00 



$22,833 55 

595,908 60 

7,850 00 

9,189 86 

$635,782 01 
9,973 04 



$52,660 40 

575 55 

$52,084 85 

693,513 06 

$745,597 91 

61,265 75 

$681,332 16 

127,828 97 



625,808 97 

,233,732 72 
200,000 00 



,033,732 72 



$556,503 19 



* Including $200,000 special reserve fund held under New York law. 



1890.] 



IXS. COS. OF OTHER STATED 



253 



[nteresl received on mortgages, .... 
[nteresl and dividends received from all other sources, 
[ncome from rents, 



Gros- cash income, 



$39,508 35 
68,544 51 

258 00 

f 649,814 05 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$300,731 04 
40,816 93 



$259,914 11 
20,000 00 
108,793 03 
53,086 18 
14,647 98 
41,673 93 

$498,115 23 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$109,677,348 00 $1,089,627 65 
. 70,305,528 00 693,513 06 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$179,982,876 00 $1,783,140 71 
. 60,899,263 00 594,138 85 



$119,083,613 00 $1,189,001 86 
. 5,991,579 00 71,936 83 



$113,092,034 00 $1,117,065 03 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$9,971,372 00 

5,121,830 00 

299,780 00 

480,000 00 

20,000 00 

78,420 00 



254 FIRE, MARINE, AND FIRE-MAKINE [Dec. 31, 



"GRANITE STATE FIRE INSURANCE COMPANY," 
PORTSMOUTH, N. II. 

[Incorporated July 17, 1S85. Commenced business Nov. 12, 1885.] 
PAiD-ur Capital, $200,000. 

Frank Jones, President. Alfred F. Howard, Secretary. 



Detailed Statement of Stocks 

Carroll County, N. H., bonds, .... 
Town of Harrisville, N. H., bonds, . 
City of Manchester, N. H., bonds, . 
Fort Plain, N. Y., Water Company bonds, 
New Hampshire Trust Company, N. H, bonds, 
New York & New England Railroad bonds, . 
Xenia, Ohio, Water Company bonds, 
St Cloud Gas & Elee. Co , St Cloud, Minn., b'ds, 
Nashua C. andG. Paper Co., Nash ,N II., bonds, 
NatT Loan & Trust Co., Kan City, Mo, bonds, 
County of Garfield, Col., bonds, 
Front St Cable R'lw'y Co , Seattle, Wash., b'ds, 
Palouse City, Wash., water bonds, . 
100 shares Dover Gas Light Co , Dover, N. H., 
1 share Worcester, Nash. & Rochester R.R., 
50 shares InternatH L &T.Co , Kan. City, Mo., 
50 " Woliboro'L.&B.Co.AVolfbonAN.II., 
77 " Boston & Maine Railroad, 

Securities held as collateral for cash loans : — 

Chippewa Falls, Wis , Water Works Co. bonds, 
40 shares Indian Head Nat'l B'k, Nashua, N.H., 
Penobscot Shore Line Railroad bonds, 



and Bonds. 

Par Value. 

$200 00 

15,000 00 

100,000 00 

10,000 00 

10,000 00 

10,000 00 

6,000 00 

10,000 00 

5,000 00 

4,000 00 

1,000 00 

12,000 00 

4,800 00 

2,500 00 

100 00 

5,000 00 

5,000 00 

7,700 00 



Market Value. 

$200 00 

15,000 00 

107,000 00 

11,000 00 

10,000 00 

12,200 00 

6,300 00 

10,500 00 

5,000 00 

4,000 00 

1,055 00 

12,600 00 

5,520 00 

2,700 00 

125 00 

5,250 00 

5,000 00 

11,396 00 



$208,300 00 $225,446 00 



Market Value. 

$3,150 00 

5,400 00 

17,850 00 



Loaned Thereon. 

$2,480 00 

4,000 00 

15,000 00 



$26,400 00 $21,480 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens *), $1 19,950 00 

Interest due or accrued thereon, . . . 2,781 85 

Stocks and bonds, as per schedule, . . . 225,446 00 

Loans on collateral security, as per schedule, 21,480 00 

Cash in the office of the company, ... 44 03 

Cash deposited in bank, 33,150 49 

[nteresl due and accrued, 3,834 50 

Premiums in course of collection (gross), . 52,622 28 
Premiums more than 3 months due, $143 65 

Gross assets, $459,309 15 



* Value <>f lands mortgaged $175,450 oo 

Value <»f bulldlnga thereon 204,200 oo 

Amount of Insurance held aa collateral, .... 14S,450 00 



1890.] INS. COS. OF OTHER STATES. 

Liabilities. 



255 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums oq outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 

Re-insurance 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$12,447 45 

15,279 37 

1,320 55 

$29,047 37 
14,133 50 

$14,918 87 

205,281 09 

768 82 

6,398 86 

3,133 37 

3,642 48 



$234,133 49 

$225,175 66 
200,000 00 



£25,175 66 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $51,998 91 
Premiums on risks written or renewed, . . 445,328 81 

Total, $497,327 72 

Premiums now in course of collection, . . 52,765 93 

Entire premiums collected, .... $444,561 79 
Less re-insurance and return premiums, . . 146,513 68 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$298,048 11 

7,197 66 

12,173 44 



$317,419 21 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, t 



$249,747 13 
52,691 03 



|197,056 10 
12,000 00 
67,910 59 
10,980 00 
6,216 40 
22,536 38 



Gross cash expenditures, 



$316,699 47 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$38,810,739 00 $441,170 21 
. 34,-132,774 OO 445,328 81 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



.$73,243,513 00 $886,505 02 
. 33,716,260 00 372,0-25 41 



.$39,527,253 00 $514,479 61 
. 7,166,619 00 116,508 16 



.$32,360,634 00 $397,971 45 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$1,762,313 00 

732,789 00 

189,251 00 

12,000 00 

12,000 00 

113,600 00 



"THE GREENWICH INSURANCE COMPANY,' 1 NEW YORK, N. Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 
Paid-up Capital, $200,000. 

Samuel C. Harriot, President. Mason A. Stone, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

District of Columbia bonds, .... $125,00000 $152,50000 

Harlem River & Portchester Railroad bonds, . 10,000 00 11,500 00 

New York Cent. & Hudson River R.R. bonds, . 150,000 00 179,750 00 

Albany & Susquehanna Railroad bonds, . . 80,000 00 93,600 0G 

West Shore Railroad bonds, .... 50,000 00 50,000 00 

Oswego & Syracuse Railroad bondsj . . 53,000 00 58,000 00 

Buffalo & Erie Railroad bonds, . . . 9,500 00 11,600 00 

Georgia Stat* bonds, 25,000 00 25,687 50 

New York Cent. & Hudson River R R. stock, . 50,000 00 50,750 00 

Rensselaer & Saratoga Railroad stock, . . 35,500 00 62,835 00 

Lake Shore Railroad stock, .... 25,00000 26,65000 

Valley Railroad stock, 35,000 00 40,250 00 

National Broadway Rank stock, . . . 17,500 00 49,875 00 

Consolidated Gas Company stock, . . . 100,000 00 95,000 00 

Atlantic Mutual Insurance Company scrip, . 31,685 91 33,000 00 



$797,185 91 $940,997 50 



1890.] 



INS. COS. OF OTHER STATES. 



257 



Securities held as collateral tor cash loans: — 



loo shares N. V.. Lackawanna & Western R.R., 
too » Canada Southern Railroad, . 
800 " Western Union Telegraph Co., 
200 " Adams Express Company, 
Atchison, Topeka & Santa Fe Itailro.nl bonds, 

20 shares Williamsburgh City Fire Ins. Co., 

12 " Niagara Fire Insurance Company, 

80 » West Side Bank, 

50 " King's County Trust Company, 
100 " Morris a.- Essex Railroad, 
Peoria. Pecatnr & Kvansville Railroad bonds, 

W -hares Bowery National Bank, . 

15 ' 

15 ' 

.". ' 

27 

10 ' 
L0 

200 ' 

100 ' 

100 ' 

100 ' 

100 ' 



Ninth National Bank, 
Hanover National Bank,. 
People's Fire Insurance Company, 
United States Life Insurance Co., 
Real Estate and Auction Room, 
Hanover National Bank, . 
United N. J. Railroad & Canal Co. 
Missouri Pacific Railroad, 
Chic.. Rock Island & Pacific R.R., 
Consolidated Gas Company, . 
National Broadway Bank, 



Markel Value. I. 

$15,400 00 ^ 

19,000 00 

22,912 50 

29,000 00 

s.OOO 00 J 

3,000 00 

900 00 

7,500 00 

10,000 00 

7,300 00 

6,825 00 

10,000 00 

2,325 00 

5,250 00 

200 00 

1,485 00 

1,350 00 

3,500 00 

45,000 00 

6,075 00 

7,050 00 

9,500 00 

7,125 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens* 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in office of the company, , 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $7,192 80 

Gross assets, . . . . . 

Deduct special deposits in other States, . 

Balance, ...... 



oiUM'd Thereon. 



f 75,000 00 



1,400 00 

GOO 00 

13,000 00 

6,500 00 

6,000 00 
5,000 00 
2,000 00 
1,550 00 
150 00 
850 00 
1,000 00 
3,000 00 

19,000 00 



8,757 51 



$228,697 


50 


$143,807 51 


. 31, 1890. 






. $170,000 00 




), 11,100 


00 




180 


00 




940,997 


50 




143,807 


51 




13,916 


93 




94,876 


02 




1,273 


74 




159,129 


77 




13,468 


49 




958 


33 




1,327 




14 




... 


. 


$1,551,035 43 


. 


• 


25,687 50 



.,525,347 93 



* Value of lands mortgaged, '. $25,500 00 

Value of buildings thereon 15,500 00 

Amount of insurance held as collateral 11,100 00 



258 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 



Xd cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 

Income from all other sources, 



$4,732 17 

236,292 56 

17,890 45 

$258,915 18 
35,422 92 



$223,492 26 

733,389 90 

2,500 00 

35,000 00 

500 00 



$119,834 63 
3,155 88 



$116,678 75 
962,028 50 


$1,078,707 
159,788 


25 
38 


$918,918 
106,105 


87 
07 


$13,938 88 
186,591 79 


$200,530 
11,534 


67 
19 


$188,996 48 
18,258 67 



$994,882 16 

$530,465 77 
200,000 00 

$330,465 77 



$812,813 80 



170,7:17 81 

876 00 

46,848 .".l 

18,891 65 

395 86 



Gross cash income, 



$1,044,563 66 



L890.] 



INS. COS. OF OTHER STATES. 



259 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Xrt cash paid lor fire losses, .... 

(ash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net casta paid for marine and inland losses, . - 
( lash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

I or Stale and local tav 

for rents ami incidentals. 

Gross cash expenditures, .... 



$493,774 18 
24,556 29 

$98,797 59 
6,113 90 



$409,217 84 



92,683 69 

20,000 00 

286,668 59 

59,242 89 

10,291 95 
64,874 39 

$952,979 35 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total; 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$249,591,456 00 
. 175,430,404 00 



$425,021,860 00 
. 148,157,321 00 

$276,864,539 00 
. 11,383,710 00 



Premiums. 

$1,199,267 58 

962,028 50 

$2,161,296 08 

797,545 47 

$1,363,750 61 

75,002 57 



$265,480,829 00 $1,288,748 04 



$4,049,158 00 
71,558,932 00 

$75,608,090 00 
72,412,473 00 

$3,195,617 00 
437,500 00 



$70,502 58 
186,591 79 

$257,094 37 
180,831 17 

$76,263 20 
4,912 39 



$2,758,117 00 $71,350 81 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, . . . 



59,475,571 00 

6,026,854 00 

554,450 00 

89,856 00 

1,990,000 00 

20,000 00 

86,275 00 



260 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"HANOVER FIRE ENSURANCE COMPANY;- NEW YORK, X. Y. 
[Incorporated April, l^o'J. Commenced business April, 1 
Paid-up Capital, $1,000,000. 

I. REMSEN Lane, President. Charles L. Roe, Secretary. 



Detailed Statement of Stocks 



United States bonds 

Georgia State bonds, 
Richmond, Va., city bonds, 
New Y'ork & Harlem Railroad bonds, 
Erie Railway bonds, .... 
Union Pacific Railroad bonds, . 
Cairo & Fulton Railroad bonds, 
New l r ork Elevated Railroad bonds, 
Kansas Pacific Railroad bonds, 
Flint & Pere Marquette Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Norfolk & Western Railroad bonds, 
Richmond & Danville Railroad bonds, 
New York, Chicago & St. Louis R.R. bonds, 
Milwaukee & St. Paul Railroad bonds, . 
St. Louis & Iron Mountain Railroad bonds, 
Chicago, Milwaukee & St. Paul RR. bonds, 
Louisville, N. A. & Chicago R.R. bonds, . 
Cin., Ind., St. Louis & Chicago R.R. bonds, 
West Shore Railroad bonds, 
Pennsylvania Company bonds, 
Central Railroad of New Jersey bonds, . 
Flint & Pere Marquette Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
New York city bonds, .... 

LOO shares Rensselaer & Saratoga Railroad, 

200 « 

210 ' 

200 ' 

500 ' 
1000 ' 

(ill ' 

11,01) ' 
200 
191 
600 
L50 ' 
800 ' 



Chic, Burlington & Quincy R.R., 
Chic., Rock Island & Pacific \\M. 
Chicago & Northwestern R.R., 
Lake Shore & Mich. Southern MM. 

N.Y. Central & Hudson River R.R. 

I Delaware and Hudson ( 'anal ( !o., 
Delaware, Lack. & Western MM. 

Chicago & Northwestern R.R., 
S\ racuse, Ring. & New York R R 
Cleve., Cin., Chic. & St. Louis u.}{ 
Bank of America, . 
Western Union Telegraph Co., 



and Bonds. 

Par Value. 
$123,000 00 
25,000 00 
50,000 00 
25,000 00 
54,000 00 
50,000 00 
25,000 00 
20,000 00 
50,000 00 
30,000 00 
25,000 00 
25,000 00 

5,000 00 
25,000 00 
30,000 00 

6,000 00 

5,000 00 
20,000 00 
15,000 00 
30,000 00 
100,000 00 
36,000 00 
100,000 00 
30,000 00 
25,000 00 

1,000 00 
160,000 00 
10,000 00 
20,000 00 
21,ooo 00 
20,000 00 
50,000 00 
100,000 00 
61,100 00 
.',0,000 00 
20,000 00 
19,100 on 

;,,ooo 00 
i;.,ooo 00 
80,000 00 



Market Value. 

$143,492 50 
28,625 00 
55,750 00 
30,500 00 
72,360 00 
56,000 00 
25,500 00 
23,000 00 
54,500 00 
34,875 00 
26,625 00 
23,000 00 
5,900 00 
28,875 00 
27,300 00 
6,780 00 
5,250 00 
20,150 00 
13,725 00 
28,800 00 

102,250 00 
37,800 00 

109,250 00 

30,450 00 

17,000 00 

l.ooo 00 

168,800 00 
18,000 00 
18,000 00 
1 I. so;, on 

21,000 00 

53,250 00 

101,500 00 

80,652 00 

65,937 50 

27,200 00 

27,122 00 

l.iioo 00 

32,250 00 

22,912 50 



K>.] 



LNS. COS. OF OTIIKK STATES. 



261 



ink, N. 1! . 
Metropolitan National Bank, . 
American Exchange Nat '1 Bank, 
• ntral I mpany, 

mpany, N Y.. 



ol lateral for cash loans 

il Bank stock, . 

B R bo 
Flint A [road bonds 

icific Railroad I . 

eake & ( >'ui i Railroad 
Missouri, Kansas A Texas Railroad bonds, 
Chicago A South Western Railroad boi 
shares Manhattan Railroad, 



ilac. 

10 00 
00 
00 
10 00 

00 



Market Value. 

$5,940 00 
I 00 

.000 00 

71.-. 



$1,624,700 00 *1,8> 



Market Vain**. Loaned Thereon. 



^ 



51JBI 

OO'j 

00 

•0 00 

00 

00 00 J 

$116,18 






Si mmary of Assets Dec 

i value of unencumbered real estel 

_ _ of real estate (first lie: - 
Interest doe or accrued thereon. 
Si k& and boi .hedule, . 

•n collateral security, a€ lie, 

3b in the office of the company, . 

ired in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross 

-insurance 

Premiums more than 3 months due, $1 1 

Gr ss ase 

Deduct special deposits in other States. . 



Balance 



81, 18 

$250,000 00 
-.000 00 

100,350 00 

- ~ 
80,7 1 " 

o 92 
14 

13 44 



fS 577, 10 63 
5,350 00 



Liabilities 



- urjusted, unpaid. . 
claimed and reported, 
disputed or resisted, 

Total amount of losses. 
H re-insurance, 

mount of impaid 1 



41,384 29 

16.-79 21 

$85,611 17 

0.515 -7 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



73,000 00 
51,000 00 



262 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits,. 

Surplus as regards policy-holders, . 
Paid-up capital, 



$924,584 80 

27,996 89 

|l,031,676 99 

17,720 53 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $ 138,758 20 

Same not collected, 9,892 26 

Net collected $ 128,865 94 

Premiums on risks written or renewed, . . 1,420,755 32 

Total, $1,549,621 26 

Premiums now in course of collection, . . 154,520 17 



(1,013,956 46 

11,478,134 17 
1,000,000 00 

$478,134 17 



Entire premiums collected, .... $1,395,10109 
Less re-insurance and return premiums, . . 207,596 15 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, 

Expenditures 
Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 

Risks and Premiums. 



$ 1,187,504 94 

4,166 25 

87,933 59 

1,660 15 

$1,281,264 93 



91,754 45 
55,384 87 



$636,369 58 
100,000 00 
236,523 59 
131,731 94 
31,433 93 
118,912 43 

$1,249,971 47 



Fire risks outstanding Dec. 31, 1889, 
Fire risk- written during 1S90, 

Total 

Deduct risks expired and terminated, 

In force ;it end of year, 

Deduct amount re-insured, 

Net amount in force, . 



Premiums. 
$200,306,927 00 $1,839,077 56 
. 170,280,565 00 1,420,755 32 



$370,587,492 00 $3,259,832 88 
. 168,787,860 00 1,877,833 69 



$201,800,132 00 $1,882,49!) 19 
. 11,289,130 00 71,782 20 



$190,511,002 00 $1,810,716 99 



1890.] 



INS. COS. OF OTHER STATES. 



263 



Mia bi t. IlMboub. 
Premiums 1 from organization of company, 

Losses paid from organization of company, . 

Fin incurred during the year 

9h dividends declared from organization of company, 
Dividends declared daring the year (10 per cent.), 
Company's stock owned by directors 



54 .... 

". 

100, 
145,7 



"HARTFORD FIRE [NSURAN1 I. COMPANY," HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1S1".] 
Paid-it Capital. fl.iou.OOO. 

George L. < bass, Pn P. C. Roy< e, 



Detailed Statement of Sto ks 



Phoenix National Bank, Hartford. 
Conn. River Banking Co., Hartford 
Far. and Mecfa Nat'l B'k. Hartford 
City Bank, Hartford. 
American National Bank. Hartford 
(barter Oak Nat 1 ! Bank, Hartford 
Mercantile Natl Bank, Hartford. 
First National Bank. Hartford, 
State Bank, Hartford. 
.Etna National Bank. Hartford, 
Nat 1 ] Exchange Bank, Hartford. 
Conn. Trust and Safe Deposit Co. 
Bank of America. New York, 
Bank of North America, New York 
Natl Bank of Commerce, N. Y . 
Am. Exchange Nat'l Bank, N. Y.. 
Imp and Trad. Nat'l Bauk. N. Y 
Manhattan Company Bank. N. Y. 
Merchant? National Bank, N Y . 
Metropolitan National Bank. N. Y. 
Atlantic National Bank, Boston, 
Blackstone National Bank, Boston 
Boylston National Bank, Boston, 
Hide and Leather Natl B'k, Boston 
Nat'l Bank of Commerce. Boston, 
First National Bank. Boston, . 
Second National Bank, Boston. 
First National Bank. Albany, . 
Bank of Montreal. Montreal, . 
Ontario Bank, Bowmanville, . 
Connecticut River Company. . 



ahd Bonds. 

Tar Value. 

$55,600 00 
46,7 

10 00 

12.200 00 
16,600 
15,000 00 
.000 00 
15,000 00 
17,200 00 
00 
31." 

_. 00 

23,000 00 

00 

7.000 00 
10,000 00 
20,000 00 
3<J,000 00 
10,000 00 
16.700 00 
22,500 00 

3,900 00 
10,600 00 
12,500 00 

2,400 00 

3,200 00 
10,000 00 
10,900 00 

5,000 00 
30.000 00 

6,500 00 
10,000 00 



Market Value. 

; 

13.42" 
17.430 00 
21,000 00 

21.40" 

14,250 00 

18,060 00 
00 

34,650 
) on 

33,350 00 

64.- 
9,80(i 00 

19,300 00 

30.. 
172.500 00 

17.300 00 

26,386 00 
1.575 00 
5,421 00 

11.699 75 

16,781 2o 
3,120 00 
4.400 00 

25.312 50 

21.037 00 
9,000 00 

66.900 00 
7,280 00 
3,000 00 



264 FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 



Par Value. Market Value. 

onnecticut River R.R. Company, . $2,000 00 ,365 00 

955 - X. V.. New Haven & 1 1 art i'< >i«l R.B . 95,500 00 243,525 00 

660 l - Chicago, Burlington & Quincy R.R., 66,000 00 58,740 00 

•2-2^ " Chi.-, Rock Island & Pacific R.R,. 22,000 00 15,620 00 

700 " Chicago & Northwestern Railroad, 70,000 00 78,687 50 

77n " Chic, Milwaukee & St. Paul R.R,. 77,000 00 57*845 Op 

200 " Union Pacific Railroad Company, . 20,000 00 8,275 00 

1000 " Conn. & Passumpsic Rivers R.B , . 100,000 00 105,000 00 

500 " N. Y. Central & Hudson Riv. R.R , 50,000 00 51,000 00 

500 " Northwestern Telegraph Co , . 25,000 00 25,000 00 

United States bonds, 50,000 00 51,625 00 

Alabama State bonds, 10,000 00 10,500 00 

Georgia State bonds, 25,000 00 26,250 00 

South Carolina State bonds, .... 14,500 00 14,790 00 

Minnesota State bonds, 3,000 00 3,000 00 

Toledo, Ohio, Water Works bonds, . . . 20,000 00 22,000 00 

New Brunswick, N.J. , city bonds, . . . 45,000 00 47,250 00 

Pawtucket, R. I., town bonds, .... 75,000 00 81,000 00 

Dubuque, Iowa, city bonds, .... 25,00000 26,50000 

Richmond, Va., city bonds, .... 50,00000 51,00000 

Harlem River & Port Chester Railroad bonds, 50,000 00 07,500 00 

Chicago & Western Indiana Railroad bonds, . 174,000 00 200,460 00 

Minneapolis Union Railway bonds, . . . 50,000 00 57,000 00 

Cleveland, Col , Cin. & Ind. Railway bonds, . 58,000 00 68,580 00 

Nashville & Decatur Railroad bonds, . . 50,000 00 58,000 00 

Indianapolis & Vincennes Railway bonds, . 32,000 00 37,120 00 

Chicago & North Western Railroad bonds, . 50,000 00 51,000 00 

Albany & Susquehanna Railroad bonds, . . 50,000 00 58,000 00 

Northern Pacific Railroad bonds, . . . 63,000 00 72,450 00 

New York ( !en1 & Hudson River R.R. bonds, . 50,000 00 54,000 00 

West Shore Railroad bonds, .... 100,000 00 101,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 50,000 00 

New Vork & New England Railroad bonds, . 50,000 00 62,500 00 

City of Indianapolis Belt Railroad bonds, . 74,000 00 79,920 00 

Pittsburg, Cincinnati & St. Louis R.R. bonds,. 100,000 00 117,000 00 

Louisville, Frankfort & Lexington R.R. bonds, 56,000 00 61,600 00 

Cincinnati, Ind , St. Louis & Chic. R.R. bonds, . 51,000 00 58,905 00 

Detroit, Lansing & Northern Railroad bonds, . 50,000 00 51,500 00 

Jefferson Railroad Company bonds, . . . 50,000 00 51,000 00 

Dayton & .Michigan Railroad bonds, . . 50,000 00 58,500 00 

St Louis & San Fran Railway and Land bonds, 50,00000 55,000 00 

New Fork, Lake Erie & Western R.R. bonds,. 50,000 00 50,500 00 

Milwaukee & St Paul Railroad bonds, . . 63,000 00 76,230 00 

[owa Falls & Sioux City Railroad bonds, . is,000 00 62,40 1 

Cincinnati, Hamilton & Dayton R.B bonds, . 19,000 00 59,780 00 

Canadian Pacific Railway bonds, . . . t8,666 00 57,750 00 

Montreal Corporation bonds, .... 62,50000 65,62500 

$2,991,266 00 $3,671,667 00 



1890.] 



[NS. COS. OF OTIIKK STATES. 



265 



irities li«-l« I as collateral for cash loans: — 



Wabash, St. Louis & Pacific Railroad bonds, 
Peoria & Pekin Union Railroad bonds, 
37 shares .Ktna Fire [nsorance Company, 
60 M Cleveland & Pittsburg Railroad, 
20 •• Wells Fargo Express I 



Market Value. Loaned I 



$21,160 00 

24, 

19 00 



00 

6, > 00 

1, 00 



$61,i»69 00 "00 



Si mm \i:v <>k kasi i- Dec 

Cash value of onencumbered real estate, 

Loans on mortgage of real estate ( first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company. . 

( lash deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 

Kent- due and accrued 

Non-resident tax due, .... 

Gr ts 

Deduct special deposits in other States, . 

Balance, 



81, 1890. 

1,312,61* 
19; 

71,667 00 
30,000 00 

12 11 
853,003 18 

1.1- 
.".7".;:.:. 47 
1,862 16 
17^45 85 



- 16,605,878 84 
245,170 40 

. 16,360,208 44 



Liabilities. 

les adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions aud brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



$53,519 37 

184.100 58 

13.229 51 

2,265,315 50 

85,613 32 

$2,601,778 28 
145,823 65 



2,455,954 63 



Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



. $3,904,253 81 
. 1,250,000 00 

. 82,654,253 81 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$1,400,000 00 

2,038,325 00 

, 877,923 00 



266 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



[ncome. 

Fire premiums outstanding Dec. 81, 1889, . $487,641 68 

Same not collected, 2,732 03 

Nel collected, $484,909 65 

Premiums on risks written or renewed, . . 3,603,747 LO 

Total, $4,088,657 05 

Premiums now in course of collection, . . 570,755 47 



$3,517,901 58 
477,008 55 



Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, .... 

Gross cash income, 



- $3,040,893 03 

75,278 65 

172,124 62 

20,149 29 

. $3,308,445 59 



Expenditures. 

Cash paid for fire losses, $1,695,037 16 

Deduct salvage and re-insurance, . . . 107,229 16 

Nel cash paid for fire losses, .... 

( lash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$1,587,808 00 
300,000 00 
506,901 85 
201,688 76 
59,812 60 
242,850 00 

$2,899,061 21 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$336,550,259 00 $4,067,379 18 
295,840,485 00 3,605,570 12 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$632,390,744 00 $7,672,949 30 
236,484,696 00 2,960,603 25 



$395,906,048 00 $4,712,346 05 
. 10,750,840 00 181,715 05 



$385,155,208 00 $4,530,631 00 



Miscellaneous. 
Premiums received from organization of company, 
losses paid from organization of company, 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (24 per cent.), 
Company's stock owned by directors, . 



561,326,810 00 

87,262,480 00 

L,637,102 00 

6,488,100 00 

300,000 00 

208,400 00 



L890.] 



[NS. COS. OF OTHER STATES. 



267 



"HOME INSURANCE COMPANY/' NEW YORK, N. Y. 

[Incorporated April, 1858. Commenced busiuesa April 13, 18f>3.] 
Taid-up Capital, $3,000,000. 

Daniel A. Heald, President. Wm. L. Bigelow, Secretary. 



Detailed Statement of Stocks and Bonds. 



United states bonds, . 
District of Columbia bonds, 
Mississippi State bonds, . 
New York city bonds, 
Richmond, Ya., city bonds. 
Topeka, Kan., city bonds, . 
Council Bluffs, la , city bonds, 
Nebraska City, Neb., city bonds, 
Kansas City, Kan., city bonds, . 
Greely, Col , city bonds, . 
New York, L. Erie & Western R.R. bonds, 
New York, Chicago & St Louis R.R. bonds, 
New York & Harlem Railroad bonds, 
Valley Railway Company of Ohio bonds, 
Ohio & West Virginia Railroad bonds, . 
Peoria, Decatur & Evansville Railroad bonds 
Clove., Col., Cin. & Ind Railroad bonds, 
Louisville, New Albany & Chicago R.R bonds 
West Shore Railroad bonds, 
Albemarle & Chesapeake Canal bonds, . 
Toledo, A. Arbor & Grand Trunk R.R bonds 
Dunkirk, Warren & Pittsburg Railroad bonds 
Chicago, St. Paul, Minn & O. R.R. bonds, 
Alabama Central Railroad bonds, . 
Jefferson, Madison & Indianapolis R.R. bonds 
Savannah & Western Railroad bonds, 
Virginia Midland Railroad bonds, . 
Iowa Central Railway bonds, . 
Streator, 111., Aqueduct Company bonds, 
Georgia State bonds, 
Toledo, Ann Arbor & C. Railroad bonds, 
Louisville, St. Louis & Texas Railroad bonds 
New York Cen & Hudson River R.R bonds, 
Des Moines Water Company bonds, 
Denver Water Company bonds, 
1000 shares Fort Wayne & Jackson Railroad, 
500 " Chic, St. P., Minn. & Omaha R R 
1000 " N. Y Central & Hudson Riv. R.R 
400 " Iowa Central Railroad, . 
400 " National Broadway "Bank, 
200 " American Ex Natl Bank, N. Y., 
200 " Mercantile National Bank, N. Y., 



Par Value. 

$790,000 00 

1,100,000 00 

20,000 00 

200,000 00 

50,000 00 

117,197 20 

22,400 00 

25,000 00 

12,500 00 

25,000 00 

200,000 00 

112,000 00 

100,000 00 

100,000 00 

100,000 00 

1C 0,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

75,000 00 

50,000 00 

50,000 00 

100,000 00 

50,000 00 

50,000 00 

25,000 00 

10,000 00 

25,000 00 

100,000 00 

50,000 00 

50,000 00 

25,000 00 

25,000 00 

100,000 00 

50,000 00 

100,000 00 

40,000 00 

10,000 00 

20,000 00 

20,000 00 



Market Value. 

$920,450 00 

1,053,000 00 

20,000 00 

216,000 00 

56,000 00 

121,885 08 

23,072 00 

26,250 00 

13,125 00 

25,750 00 

204,000 00 

100,800 00 

123,000 00 

104,000 00 

113,000 00 

95,000 00 

127,000 00 

108,000 00 

100,000 00 

110,000 00 

100,000 00 

88,500 00 

58,000 00 

56,500 00 

117,000 00 

42,000 00 

40,500 00 

20,000 00 

10,000 00 

25,625 00 

84,000 00 

40,000 00 

64,000 00 

25,000 00 

25,000 00 

115,000 00 

40,000 00 

101,500 00 

8,000 00 

29,000 00 

30,000 00 

44,000 00 



268 FIRE, MARINE, AM) FIRE-MARINE [Dec. 31, 



200 shai 


•_>( ii i 


.. 


2< K ) 


it 




ii 


2< ii > 


i< 


200 


ii 




ti 


100 


ii 


100 


ti 


100 


ii 


200 


ii 


2oo 


it 


50 


ii 


i:» 


it 


500 


it 



es Bank of America, N. V., . 

Nafl Bank of Commerce, X. Y , 
Manhattan Company, N. Y , . 
Merchants' Ex. Nat*'l Bank, X. Y , 
Nassau Bank, .... 
Chatham National Bank, N. Y., 
Xafl Hutch's & Drov's B'k, N. Y , 
Hanover National Bank, N. Y , 
National Bank of the Republic, 
Fourth National Bank, N. Y., . 
Holland Trust Company, 
Franklin Trust Co., Brooklyn, 
Metropolitan Trust Company, 
Long Island Loan & Trust Co., 
Lake Shore & Mich So. Ry., . 



Par Value. 

$20,000 00 
20,000 00 
10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

5,000 00 

4,500 00 

50,000 00 



Market Value. 

$43,^00 00 
89,000 00 
18,000 00 
12,500 00 

1(1,500 00 
20,000 00 

8,750 00 
35,400 00 
19,000 00 
17,200 00 
42,000 00 
55,000 00 
13,750 00 

8,100 00 
53,250 00 



$4,808,597 20 $5,525,607 08 
Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

United States bonds, $6,125 00 $5,000 00 

Lackawanna & Pittsburg Railroad bonds, . 35,000 00 31,000 00 

64 shares Continental National Bank, . . 8,640 00 6,000 00 

Union Pacific Railroad bonds, .... 2,290 00 2,000 00 

25 shares American Express Company, . . 2,875 00^ 

10 shares Wells, Fargo & Company Express, . 1,350 00 > 11,000 00 

Seattle, L. S. & Eastern Railroad bonds, . . 11,000 00 ) 

400 shares Safe Deposit Company of N. Y , . 12,000 00 10,000 00 

100 " Second National Bank, N. Y., . 32,500 00 15,000 00 

100 " Wells, Fargo & Company Express, 13,500 00 ) .q ™q qq 

360 " National Bank of Republic, . . 68,400 00 S 

Rochester, Hornellsville & Lack. RR. bonds, . 15,825 00 12,500 00 

Union Pacific Railroad bonds, .... 1,145 00 1,000 00 

Albemarle & Chesapeake Canal Co. bonds, . 3,300 00 2,500 00 

Des .Moines & Ft Dodge Railroad bonds, . 6,160 00 5,000 00 

Albemarle & Chesapeake Canal Co. bonds, . 2,200 00 £ 9 000 00 

Seattle, Lake Shore A: Eastern R.R. bonds, . 1,000 00 S 

400 shares Chatham National Bank, . . 40,000 00 20,000 00 

United States bonds, 49,000 00 40,000 00 

Dakota & Greal Southern Railroad bonds, . 990 00 800 00 

20 shares National Park Bank, N. Y., . . 6,200 00 

5 " Market and Fulton Bank, . . . 1,100 00 

10 " Merchants' National Bank, . . 770 00 

10 " Western National Bank, . . . 980 00 

26 " Erving National Bank, . . . 2,340 00 
" Central National Lank, . . . 1,120 00 \ 15,000 00 

Fourth National Bank, . . . 1,548 00 

.", " American Exchange Nafl Bank, . 750 00 

10 " National Bank of Commerce, . . 1,950 00 

Shoe and Leather National Lank, . 910 00 

5 " .Manhattan Company, . . . 450 00 



L890.] 



INS. COS. OF OTHER STATES. 



269 



IVs Moines & Fort Dodge Railroad, 
500 shares Chatham National Bank, 
Union Pacific Railroad bonds 

17 shares Third Arenne Railroad, . 

83 " Pittsburgh, Ft. Wayne & Chic. R.B , 
100 " New York Cen. & Hud. Riv. R.R., . 
loo " Cleve., Cin., Chic. & St. Louis R.R, 
8 » New York, N. II. & Hartford R.R., 
New York & Erie Railroad bonds, . 
Delaware & \\\u\<on Canal Company bonds, 
Lehigh & Wilks. Coal Company bonds, . 
Louisville & Nashville Railroad bonds, . 
31 shares Second Avenue Railroad, . 
37 • 
40 " 
90 ' 

7 ' 
50 ' 
50 • 
10 ' 



1 Consolidated Gas Company of X. Y. 
1 Trenton, X. J., Banking Company. 
' Trenton (las Light Company, . 
' Com Exch. Nat. irk of Philadelphia 

' Delaware & Hudson Canal Co., 
' New York Nat'l Fxchange Bank, 
1 Fourteenth Street Bank, . 
St. Paul, Minn & Man. Railroad bonds, . 
St. Louis, Jack. & Chicago R.R bonds, . 
Northern Pacific Railroad bonds, 
300 shares ( 'leve , Cin , Chic. & St. L. R.R., 

50 " Chic, Mil. & St. Paul R.R., . 
700 " Chic, Mil. & St Paul R.R , . 
500 " Western Union Telegraph Co., 

46 " N.,Y. Central & Hudson Riv. R.R, 
Cincinnati, Richmond & Chicago R.R. bonds, 
Wabash Railroad bonds, .... 
Mobile & Ohio Railroad bonds, 
Wabash Railroad bonds, .... 
Philadelphia & Reading Railroad bonds, . 

80 shares Pullman Palace Car Company, 
200 " Western Union Telegraph Co., 
100 " Delaware & Hudson Canal Co , 
133 " Morris & Essex Railroad, 

G6 " New York, Prov. & Boston R.R , 

27 " Union Trust Company, . 
100 " Western Union Telegraph Co , 

40 " New York, Prov. & Boston R.R,, 
100 " Louisville & Nashville Railroad, 
Texas & Pacific Railway bonds, 
8 shares Morris & Essex Railroad, . 
Virginia Midland Railroad bonds, . 
Toledo, Ann Arbor & Cad. Railroad bonds, 
52 shares Continental National Banl,c, 
50 shares Richmond County Gas Light Co., 



Market V 

$30,800 

50,000 

5,650 

14,100 

12,284 

10,150 

5,900 

750 

1,170 

1,390 

1,100 

3,496 

3,000 

2,520 

525 

6,500 
6,750 
1,000 
3,890 

3,225 
3,195 

17,700 

2,550 

73,150 

38,000 

4,669 

6,600 

20,440 

12,500 

10,670 

3,987 

14,480 

15,200 

13,000 

9,842 

14,850 

21,195 

7,600 

9,000 

7,300 

4,250 

592 

4,050' 

4,200 

7,020 

1,500 



alnc 

00 

00 

00 

00 

00 

00 

00 

00 } 

00 

00 

00 

00 

00 J 

50 ^ 

00 

00 

00 J 

00^ 

oo I 

oo ; 

00^ 
00 
00 
00 

00 , 

00 \ 

00 
00 . 
00 ) 
00^1 
00 
00 
50 
00 
00 J 
00 >| 



Loaned Thereon. 

$25,000 00 
15,000 00 



00 ! 
00 . 

oo J 

00^ 

00 ! 

00 

00 

00 

00 

00 

00 

00 



50,000 00 



8,000 00 



10,000 00 



25,000 00 



}■ 100,000 00 



} 50,000 00 



} 50,000 00 



} 20,000 00 



300 00 
4,000 00 

7,000 00 



$831,793 00 $593,100 00 



27() FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liensf) 

[nteresl due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash deposited in bank, .... 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Premiums more than 3 months due, $5,272 78 

Gross assets, 

Deduct special deposits in other States, . 



81, 1890.* • 

$1,375,064 03 
665,150 00 

15,419 22 

5,525,607 08 

593,100 00 

313,400 82 

28,567 72 
871,711 36 

18,463 77 



1,406,484 00 
143,125 00 



Balance, $9,263,359 00 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance and salvage, . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Re-insurance, 

Sinking fund reserve, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 

Sm plus over capital, . 



$148,877 06 

801,481 21 

35,980 85 

$986,339 12 
416,242 40 

$570,096 72 

3,866,187 00 

135,947 20 

183,828 86 

44,706 27 

H,800,766 05 
78,322 74 



- 4,722,443 31 

. $4,540,915 69 
. 3,000,000 00 

. $1,540,915 69 



Tbe company holds, alio, Instalment premium. notes to the amount of $519,473.51, which 

do nut cuter Into nor form any pari of the assets of the company, an no portion of them in 

••allied. Whatever value in attached to them would necessarily be counterbalanced hy the 

addition of an exactly equal amount to the reinsurance liability, the entire mini consisting of 
" unearned premiuml." 



- Value of lands mortgaged, 
Value of buildings thereon, 
Amount of Insurance held hh collateral, . 



$1,161,502 00 

G.J4.045 00 
483,726 00 



L890.] 



INS. COS. OP OTHER STATES. 



271 



Income 
Fire premiums outstanding Dee. 81, 1889, . $858,066 78 
Same not collected 2,56:5 83 

Nel collected 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . $8,908,079 40 

.Marine premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, . . 163,267 86 

Interest received on mortgages, 43,777 80 

Interest and dividends received from all other sources, . . 241,608 41 

Income from rents, . 93,976 19 

Gross cash income, $4,450,709 66 

Expenditures. 
Cash paid for fire losses, $2,749,711 63 

Deduct salvage and re-insurance, . . . 464,416 26 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . . $120,523 12 

Deduct salvage and re-insurance, . . . 18,947 73 

Net cash paid for marine and inland losses, 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 



$855,502 
5,170,018 


95 
89 


$6,025,521 84 
862,341 48 


$5,163,180 36 
1,255,100 96 


$47,396 
192,322 


88 
33 


$239,719 21 
27,833 65 


$211,885 56 
48,617 70 



$2,285,295 37 



Risks and Premiu 

Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



101,575 39 
300,000 00 
742,441 78 
412,646 48 
84,396 71 
291,875 51 

14,218,231 24 

Premiums. 

$740,725,533 00 $7,520,956 00 
607,843,985 00 5,170,018*89 



MS. 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, . . ■ 



$1,348,569,518 00$12,690,974 89 
515,351,839 00 4,652,516 89 



$833,217,679 00 
91,926,498 00 



5,038,458 00 
593,656 00 



Net amount in force, . 



$741,291,181 00 $7,444,802 00 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 81, 1889, 

Marine risk- written during 1890, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 

Nel amount in force, . 



Premiums. 

15,934,308 00 $141,642 00 
52,618,041 00 192,322 33 



$58,552,344 00 $333,964 33 
51,215,597 00 184,762 33 



>7,336,747 00 $149,202 00 
1,201,539 00 19,099 00 



$6,135,208 00 $130,103 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$86,257,428 00 

51,700,721 00 

2,376,918 00 

113,110 00 

8,215,000 00 

300,000 00 

202,800 00 



"PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA," PHILADELPHIA, PA. 

. [Incorporated April 14, 1794. Commenced business 1792.] 
Paid-up Capital, $3,000,000. 

Charles Platt, President. Greville E. Fryer, Secretary. 



Detailed Statement of 



I ioston city bonds, '. 
Richmond, Va , city bonds, . 
Georgia State bonds, 
Baltimore city bonds, 
Indianapolis city bonds, . 
Hartford city bonds, . 
Toledo city bonds, 
( lincinnati city bonds, 
Belgian government bonds, 
Fall River city bonds, 
Fforrisburg city bonds, 
lYo\ idence city bonds, 
Newark citj bonds, . 
( Cleveland city bonds, 
Burlington city bonds, 
Easl Lincoln, 111., bonds, . 
Montreal city bonds, . 
Pennsylvania Railroad bonds, 



Stocks and Bonds. 

Par Value. 

$200,000 00 
50,000 00 
25,000 00 
200,000 00 
30,000 00 
44,000 00 
21,000 00 
89,000 00 
49,000 00 
30,000 00 
15,000 00 
25,000 00 
20,000 00 
30,000 00 
12,ooo 00 
10,000 00 
Ul,ooo oo 
430,000 00 



Market Value. 

$214,000 00 
50,000 00 
29,250 00 
208,000 00 
30,900 00 
46,320 00 
22,470 00 
46,020 00 
49,0Q0 00 
31,200 00 
15,600 00 
27,750 00 
20,400 00 
32,100 00 
18,920 00 
10,000 00 
112,110 00 
478,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



273 



Philadelphia A Reading Railroad bonds, 
North Pennsylvania Railroad bonds, 
Belvidere & Delaware Railroad bonds, . 
Pennsylvania & N. V. ('anal & R.R. bonds, 
Lehigh Valley Railroad bonds, 
Philadelphia, Wil. & Baltimore R.R. bonds, 
Delaware Division Canal bonds, 
Lehigh Coal and Navigation Company bonds, 
Gaston & Amboy Railroad bonds, 
Philadelphia & Erie Railroad bonds, 
Chicago & Western Indiana/ Railroad bonds, 
Northern Central Railway bonds, . 
Pittsburg, McKeesport & Yough. R.R. bonds, 
Lehigh Valley Railroad bonds, 
The Belt R.R. and Stock Yard Co. bonds, 
Bergen County Railroad bonds, 
Car Trust of New York bonds, 
New York & Long Branch Railroad bonds, 
100 shares Philadelphia National Bank, . 
228 " Chesapeake and Del. Canal Co., 

2 " Pilot Boat " Win. W. Kerr," . 
Atlantic Mutual Insurance Co. scrip, 
Philadelphia <fc Baltimore Central R R. bonds 
Delaware & Chesapeake Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
Steubenville & Indiana Railroad bonds, . 
Corning, Cowanesque & Antrim R.R. bonds, 
N. Y., L. E. & Western RR. Trust bonds, 
Terre Haute & Logansport Railroad bonds, 
Texas »fc Pacific Railway bonds, 
Louisville & Nashville Railroad bonds, . 
Lehigh Coal and Navigation Company bonds, 
New York, West Shore & Buffalo R'y bonds, 
San Antonio & Aransas Pass. Railway bonds, 
Wrecking Boat " North America," . 
Canada & Atlantic Railroad bonds, . 
Jefferson Railroad bonds, 
McKeesport & Belle Vernon R.R. bonds, 
Pennsylvania & N. Y. Canal & R.R. bonds, 
Elizabeth R.R. of Austria bonds, 



Par Value. 

$355,000 00 

80,000 00 

50,000 00 

30,000 00 

200,000 00 

39,000 00 

15,000 00 

5,000 00 

100,000 00 

150,000 00 

110,000 00 

1:5,000 00 

50,000 00 

123,000 00 

50,000 00 

50,000 00 

61,000 00 

150,000 00 

10,000 00 

11,400 00 

1,000 00 

35,110 00 

100,000 00 

100,000 00 

200,000 00 

200,000 00 

65,000 00 

33,000 00 

50,000 00 

U,000 00 

73,000 00 

50,000 00 

25,000 00 

20,000 00 

53,000 00 

20,000 00 

30,000 00 

20,000 00 

50,000 00 

40,000 00 



Market Value. 

§425,350 00 

!)!),300 00 

57,000 00 

36,000 00 

250,000 00 

39,390 00 

15,000 00 

6,200 00 

110,000 00 

166,500 00 

121,000 00 

14,950 00 

55,000 00 

* 125,460 00 

53,500 00 

55,000 00 

54,900 00 

160,500 00 

23,700 00 

500 00 

500 00 

35,110 00 

103,000 00 

95,000 00 

214,000 00 

208,000 00 

68,250 00 

36,300 00 

50,000 00 

14,560 00 

80,300 00 

50,000 00 

25,250 00 

11,000 00 

53,000 00 

20,000 00 

30,600 00 

23,600 00 

50,000 00 

40,000 00 



.$4,172,510 00 |4,514,060 00 



Securities held as collateral for cash loans : — 

27 shares Pennsylvania Railroad, 

2 shares Penn. Co. for Insurance on Lives, 

1 share United Co's of New Jersey, . 

25 shares Philadelphia Mort. and Trust Co., . 



Market Value. Loaned Thereon. 

$1,336 00) 
1,000 00 i $2,000 00 

225 00 ) 
2,500 00 2,000 00 



274 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



25 shares North Pennsylvania Railroad, 
22 " Philadelphia Warehouse Co., 

:>7 " Mine Hill Railroad, . 
38 " Real Estate Trust Co., 
18 " Mine Hill Railroad, . 
Huntingdon & Broad Top Railroad bonds, 
Boston United Gas bond, .... 
Central New England & Western R.R. bonds 

70 shares Philadelphia Mort. and Trust Co., 
100 " Pennsylvania Railroad Co., 

50 " Land Title and Trust Co., 
Pennsylvania & N. Y. Canal & R.R. bonds, 
Atlantic City Railroad bonds, . 
COO shares Pennsylvania Railroad, . 

17 shares United Co's of New Jersey, . 
Atlantic City Railroad bonds, . 
Pennsylvania & N. Y. Canal & R R. bonds, 
100 shares Nesquehoning Valley Railroad, 
125 shares North Pennsylvania Railroad, . 
Loans on company's own stock, $3,601 00 



.Market Value. 

$2,000 00 
2,500 (XK 
2,479 00 S 
3,420 00 ) 
1,206 00 
1,000 00 
3,760 00 ) 

33,750 00 S 
7,000 00 
4,950 00 >j 
6,300 00 I 

10,080 00 

15,000 00 J 

29,700 00 >| 
3,825 00 ' 

10,000 00 i 
5,060 00 J 
5,250 00 

10,000 00 



Loaned Thereon. 

$1,600 00 
8,899 00 



450 00 
900 00 


25,000 


00 


2,000 


00 



} 30,000 00 



40,000 00 

3,300 00 
8,500 00 



$162,331 00 $124,149 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Hills receivable and salvages, . 

Gross assets, 

Deducl special deposits in other States, . 

Balance, 



31, 1890. 

$316,650 82 

2,393,632 06 

31,584 71 

4,514,060 00 

124,149 00 

720,092 53 

633,263 24 

142,359 55 

106,125 92 



$8,981,917 83 
191,360 00 

$8,790,557 83 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 



1,917 oo 
248,770 00 

16,813 00 

$841,500 00 
135,612 oo 



Net amount of unpaid losses, 



$205,888 00 



1890.] 



INS. COS. OF OTHER STATES. 



275 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 
Re-insurance, etc., ..... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, .... 



$ 2,580,944 11 

741,264 84 

34,000 00 

4,714 80 

$3,566,811 75 
61,011 32 



Surplus over capital, . 



$3,505,800 43 

. $5,284,757 40 
. 3,000,000 00 

. $2,284,757 40 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from perpetual deposits, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$387,455 19 
3,469,149 27 

$3,856,604 46 
474,214 82 

$3,382,389 64 
405,991 53 

$285,855 10 
1,883,281 88 

$2,169,136 98 
301,407 97 

$1,867,729 01 
453,981 79 



sources, 



,464 03 



1,976,398 11 



1,413,747 22 

139,290 79 

230,355 54 

29,894 43 



. $4,789,686 09 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Xet cash paid for fire losses, . 

Cash paid for marine and inland looses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 



,692,527 70 
74,684 62 

[,477,715 64 
446,887 61 



,617,843 08 



1,030,828 03 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



( "ash dividends paid, 

( lash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$20,569 CO 



£450,000 00 
747,887 70 
188,300 89 
116,041 00 
300,917 88 



$4,451,818 64 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1889, . $424,893,473 00 $4,295,640 64 
Fire risks written during 1890, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



.429,714,085 00 3,469,149 27 



$854,607,558 00 $7,764,789 91 
. 345,093,971 00 2,988,345 08 



$509,513,586 00 $4,776,444 83 
. 12,251,816 00 149,663 92 



Net amount in force, . . . . $497,261,770 00 $4,626,780 91 
Perpetual risks in force (not included above), 31,598,602 00 812,115 40 



Marine risks outstanding Dec. 31, 1889, . 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

Net amount in force, . 



.$16,178,779 00 $160,436 72 
.320,643,842 00 1,883,281 88 



$336,822,621 00 $2,043,718 60 
.319,786,771 00 1,833,324 69 



$17,035,850 00 $210,39:5 91 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

V ire losses incurred during the year, . 

Marine and inland losses incurred during the year, . 

( ash dividends declared from organization of company, 

Dividends declared during the year (15 per cent.), 

Company's stock owned by directors, . 



$93,887,461 00 

66,589,037 00 

1,611,631 00 

943,028 00 

11,403,934 00 

450,000 00 

121,900 00 



1890.] 



INS. COS. OF OTHER STATES. 



277 



"INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA," 

PHILADELPHIA, PA. 

[ Incorporated April IS, 1794. Commenced business Nov. 5, 1794.] 
Paid-up Capital, $200,000. 

Geo. 6. Crowell, President. A. B. Earle, Secretary. 



Detailed Statement of Stocks 



200 shares Lehigh Valley Railroad, . 
20 shares Philadelphia National Bank, . 
Philadelphia c\: Heading- Railroad bonds, 
Harrisburg, Ports., Mt. Joy & L. R.R. bonds, 
Car-Trust of New York bonds, 
Wabash Railroad bonds, .... 
Chicago & Western Indiana Railroad bonds, 
Corning, Cowanesque & Antrim R.R. bonds, 
Shamokin, Sunbury & L. Railroad bonds, 
Terre Haute & Logansport Railroad bonds, 
Steubenville & Indiana Railroad bonds, . 
Long Doek Company bonds, 
Pittsburgh Junction Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Sunbury, Hazleton & Wilkesbarre R.R. bonds 
North Central Railroad bonds, . 

Quincy city bonds, 

Syracuse, G. & C. R.R. bonds, . 

Orient Mutual Insurance Company scrip, 



and Bonds. 

Par Value. 

$10,000 00 

2,000 00 
13,000 00 
15,000 00 

8,000 00 
14,000 00 
12,000 00 
12,000 00 
10,000 00 
20,000 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 

4,000 00 
10,000 00 
10,000 00 

9,000 00 
8 19 



Market Value. 

$9,800 00 

4,800 00 
11,370 00 
16,200 00 

8,000 00 
10,430 00 
13,440 00 
12,600 00 
10,500 00 
21,400 00 
31,800 00 
11,900 00 
11,500 00 
12,000 00 

3,880 00 
10,600 00 
10,400 00 

9,450 00 
8 19 



$209,008 19 $220,078 19 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Notes taken for fire risks, . 
Rents due and accrued, 
Re-insurance, etc., .... 
Reclaimable on perpetual re-insurance, 
Gross assets, .... 



$305,968 00 

75,350 00 

1,393 42 

220,078 19 

2,502 62 

49,783 60 

258 00 

25,462 27 

1,963 25 

7,212 50 

5,898 53 

9,808 92 



$705,679 30 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$198,200 00 
54,400 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual tire policies, . 
Due for borrowed money, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



319,077 00 

222,134 16 

180,930 27 

15,000 00 

3,611 20 



$440,752 63 

$264,926 67 
200,000 00 

$64,926 67 



Income. 

Fire premiums outstanding Dec. 31, 1889 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Deposits received for perpetual fire risks 



$14,544 58 
376,647 66 

$391,192 24 
25,462 27 

$365,729 97 
71,535 73 



sources, 



$23,523 47 



$294,194 24 

5,141 62 

10,841 05 

27,867 77 



Gross casli income, 



$338,044 68 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid tor marine and inland losses, 

Deduct salvage; and re-insurance, 

Net cash paid for marine and inland losses, . 

( ash dividends paid, ...... 

('ash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 
for incidentals, ..... 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$260,798 50 




17,308 62 






$243,489 88 




$318 15 




6 05 






312 10 




20,000 00 




68,639 01 




W,789 94 




10,286 48 




18,181 94 


.$4,361 50 




. . . 


$391,699 30 



L890.J 



I\>. COS. OF OTHER STATES. 



279 



Fire risks outstanding Dec. 81, i^ v .». 
Fire risks written during L890, 



Risks \m> Premiums. 

Premiums. 

.$39,773,678 00 §431,9(58 34 
. 43,398,497 00 376,647 66 



Total 

Deducl risks expired and terminated, 

Id force at fii'l of j ear, 
Deducl amount re-insure<lj 

Net amount in force $40,995,215 00 $419,688 36 

Perpetual risks in force (not included above), 6,191,191 00 197,773 47 



$83,172,175 00 $808,616 00 
39,391,503 00 368,1 11 18 



$43,780,672 00 $450,471 52 
2,785,457 00 ' 30,786 16 



MlSCELLANEOl-. 

Premiums received from organization of company, 
Losses paid from organization of company, 

Fire losses incurred during the year 

I sh dividends declared from organization of company. 
Dividends declared during the year (10 per cent.), 
Company's stock owned by director- 



$19,187,116 00 
15,441,519 00 

196,777 00 

4,206,406 00 

20,000 00 

26,600 00 



"JEFFERSON INSURANCE COMPANY IN THE CITY OF 
NEW YORK," NEW YORK, N. l r , 

[Incorporated March 4, IS'24. Commenced business March 31, 1824.] 
Paid-up Capital, $200,010. 

Samuel E. Belcher, President. Wm. B. Flowery, Secretary. 



Detailed Statement of Stocks 



United States bonds and notes, 

308 shares Chic , Rock Island & Pacific R.R., 

200 ' 

100 

250 ■ 

400 ' 

100 ' 

100 ' 

400 ■ 



X. Y., Lackawanna & Western R.R 

New Y'ork & Harlem Railroad, 

N. Y. Central & Hudson River R.R 

Long Island Railroad, 

Lake Shore & Mich. Southern R.R 

Holland Trust Conrpany, 

St. Paul & Duluth Railway, . 



Securities held as collateral for cash loan; 

■3 r > -hares N. Y., Providence & Boston R.R , 
Moms & Essex Railroad bonds, 
178 -hares Mechanics' National Bank, 
50 shares Bank of America, ... 



and Bonds. 

Par Value. 

§195,000 00 
30,800 00 
20,000 00 
5,000 00 
25,000 00 
20,000 00 
10,000 00 
10,000 00 
40,000 00 



Market Value. 

$230,150 00 
21,752 50 
22,600 00 
13,500 00 
25,125 00 
16,800 00 
10,625 00 
20,500 00 
33,200 00 



$355,800 00 $394,252 50 



Market Value. 

$11,000 00 

2,720 00 

9,567 50 

10,700 00 



Loaned Thereon. 

$5,000 00 

2,000 00 

1,000 00 

2,000 00 



$33,987 50 $10,000 00 



280 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
( 'ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $111 68 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Re-insurance, . . . . . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

re-insurance and return premiums, 
Net cash lire premiums received, 
Interest received on mortgages, 

Interest and dividends received from all 
Gross cash income, 



81, 1890. 

$20,300 00 

507 50 

394,252 50 

10,000 00 

291 10 

372 78 

1,664 59 

G,567 38 



$2,303 84 
1,820 00 
1,000 00 

$5,123 84 
194 50 

$4,929 34 

41,666 02 

945 20 

30 79 

1,445 85 

112 75 



!,280 40 
214 83 



$6,0(')5 57 
69,812 06 

$75,877 63 
6,729 06 

$69,148 57 
6,858 80 



other sources, . 



$433,955 85 



49,129 95 

$384,825 90 
200,010 00 

$184,815 90 



$62,289 77 

2,175 15 

22,649 13 

$87,114 35 



* Value of landa mortgaged, . 
Value of building! thereon, . 

Amount of Insurance held as collateral, 



$36,500 00 
28,500 00 
26,000 00 



L890.] 



INS. COS. OF OTHER STATES. 



281 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net rash paid for lire losses, 

( 'ash dividends paid. . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for Stale and local taxes, . 

for rent and incidentals, . . 

Cross cash expenditures, .... 



$■ 11,71)7 83 
150 70 



$41,617 13 

20,001 00 

12,442 07 

13,949 88 

1,17:5 42 

6,189 27 

$95,402 77 



Risks ani> Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



.ft 12,435, 135 00 
. 11,720,020 00 



. $24,155,155 00 
. 11,839,785 00 



. $12,315,370 00 
438,493 00 



Premiums. 
}85,287 22 

<H>,S12 06 



$155,099 28 
70,135 07 



ft84,964 21 
1,925 77 



$11,876,877 00 ft83,038 44 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, . 



$4,583,528 00 

2,111,911 00 

43,055 00 

1,824,899 00 

20,001 00 

31,320 00 



"THE JERSEY CITY INSURANCE COMPANY," JERSEY CITY, N. J. 

[Incorporated Feb. 10, 1847. Commenced business Dec. 1, 1856.] 
Paid-up Capital, $250,000. 

Nathaniel Foote, President. Chas. F. Patterson, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $4,000 00 $ 4,900 00 

8 shares First National Bank, Jersey City, . 800 00 2,400 00 

30 " Second National Bank, Jersey City, 3,000 00 7,500 00 

662 " Jersey City Gas Light Company, . 13,240 00 25,156 00 

17 " People's Gas Light Co., Jersey City, 850 00 850 00 



282 FIRE, MARINE, AND FIRE-MARINP: [Dec. 31, 



97 shares New Jersey [ce Company, 
Jersey ( 'it v bonds, .... 
Newark, N. J., city bonds, 



Securities held as collateral for cash loans :- 

20 -hares People's Fire Insurance Co., N. Y., . 
10 " Bowery National Bank r New York, . 

00 " American Express Co., New York, . 

3 " Home Insurance Co., New York, 

1 ni ted States bond, ...... 

100 shares Second National Bank, Jersey City, 

20 " First National Bank, Jersey City, . 

40 " First National Bank, Hoboken, 

30 " American Ex. Natl Bank, Chicago, 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral securit} 7 , as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest clue and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $193 48 
Gross assets, 



Tar Value. 

$9,700 00 
40,000 00 
30,000 00 



Market Value. 
$9,409 00 
42,980 00 
31,500 00 



$101,590 00 $124,695 00 



Market Value. Loaned Thereon. 



$820 00 

2,500 00 

9,350 00 

441 00 

61 00 

25,000 00 

6,000 00 

• 4,000 00 

3,900 00 



$10,500 00 

350 00 

10,000 00 

5,000 00 

2,000 00 



$52,072 00 $27,850 00 

31, 1890. 

$71,800 00 

170,361 32 

2,024 10 

124,695 00 

27,850 00 

6,336 57 

27,145 81 

959 49 

7,180 75 

$438,353 04 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus a-- regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, ■ 



$10,510 50 

1,200 00 

$9,310 50 

109,253 72 

878 04 

1,243 00 



120,685 26 

$317,677 78 
250,000 00 

$67,667 78 



* Value of Landa mortgaged, . 
Value of buildlnga thereon, . 

Amount of insurance hold as collateral, 



$193,350 00 
256,260 00 

185,400 00 



L890.] 



INS. COS. OF OTHER STATES. 



283 



Income. 
fire premiums outstanding Dec. 81, 1889, 
Same not collected, 

Net collected, ...... 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash lire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from brokerage, .... 
Profit and loss, 



Gross cash income, 



Expenditures. 



Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 

. Risks and Premiums. 



$ 4,802 58 
352 37 

$ 4,450 21 
147,612 10 

$152,062 31 
7,180 75 



|1 II, ssi 56 

1 1,1 II 7:; 



sources, 



$01,052 93 
1,372 82 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (included above) , 



$18,511,818 00 
11,432,627 00 



$29,944,445 00 

8,940,098 00 

$21,004,347 00 

333,270 00 



$20,671,077 00 
20,150 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, .... 



$130,73!) 83 

11,692 27 

9,310 62 

•2,71)5 12 

671 43 

1,659 32 

$156,868 59 



$89,680 11 
17,500 00 
34,376 98 
11,504 16 
3,095 04 
10,205 63 



$166,361 92 

Premiums. 

$169,405 52 
147,612 10 

$317,017 62 
109,241 61 



$207,776 01 
2,983 45 



$204,792 56 
924 00 



|2,195,577 00 

872,479 00 

81,035 00 

566,781 00 

17,500 00 

67,150 00 



284 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"THE LIBERTY INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 21, 1887. Commenced business April 21, 1887. J 
Paid-up Capital, $800,000. 



Geo. A. Morrison, President. 



Philip LaTourette, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York & Long Branch Railroad bonds, . $100,000 00 $113,000 00 

New York, Lake Erie & Western R.R bonds,. 50,000 00 45,062 50 

Lake Shore & Michigan Southern R.R stock, . 50,000 00 53,250 00 

Chicago & Northwestern Railroad stock, . 50,000 00 53,250 00 

Western Union Telegraph Company stock, . 100,000 00 78,000 00 

Mercantile Trust Co certificates of deposit, . 378,434 43 378,434 43 

Washington Trust Co. certificates of deposit, . 102,564 12 102,564 12 

Western National Bank certificates of deposit, 150,000 00 150,000 00 

First National Bank certificates of deposit, . 150,000 00 150,000 00 

State Trust Company certificates of deposit, . 100,000 00 100,000 00 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
( 'ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
lie-insurance due, ..... 
Premiums more than 3 months due, $167 20 

(iross assets, 

i 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, 

Not amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, . 

Gross Liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 

Surplus over capital, . 



$1,230,998 55 $1,223,561 05 

31, 1890. 

$1,223,561 05 

11,210 50 

33,831 72 

2,624 99 

172,480 07 ■ 

3,203 10 

$1,446,911 43 



$18,303 09 

49,827 90 

3,700 00 

$ 7 1,830 99 
21,267 14 

$50,563 85 

499,760 10 

3,536 91 

22,393 29 

7,481 67 

4,652 94 



588,338 76 

$858,572 67 
800,000 00 

$58,572 67 



1890.] 



INS. COS. OF OTHER STATES. 



285 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $ 137,010 72 

Premiums on risks written or renewed, . . 1,040,159 38 

Total, $1,177,170 10 

Premiums now in course of collection, . . 155,990 97 

Entire premiums collected, .... $1,021,173 13 

Less re-insurance and return premiums, . . 204,609 54 

Net cash lire premiums received, . . . $810,50.") 59 

Marine premiums outstanding Dec. 31, 1889, . 610,164 01 

Premiums on risks written or renewed, . 47,878 00 

Total, $04,042 61 

Premiums now in course of collection, . . 16,050 30 

Entire premiums collected, .... $47,392 31 

Less re-insurance and return premiums, . . 13,160 45 

Net cash marine premiums received, . . 34,231 86 

Interest and dividends received from all sources, . . . 65,687 23 

Gross cash income, $916,482 68 



Expenditures. 
( lash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
( !ash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 
( lash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$568,183 14 

: , .2,882 96 

$33,870 19 

17,392 17 



$535,300 18 



16,478 02 
182,369 86 
45,006 62 
14,834 03 
76,168 69 

$870,157 40 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$81,872,716 00 $803,989 06 
. 90,258,923 00 1,040,159 38 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$172,131,639 00 $1,904,148 44 
. 83,245,241 00 908,949 38 



. $88,886,398 00 $995,199 06 
. 7,335,766 00 43,362 55 



Net amount in force, . 



. $81,550,632 00 $951,836 51 



286 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec 81, 1889, 
Marine risks written during 1890, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$1,158,650 00 $24,535 30 
11,878,593 00 17,878 00 



$13,037,243 00 $72,413 30 
11,173,467 00 43,715 18 



.,863,776 00 §28,698 12 
87,250 00 813 38 



.,776,526 00 $27,884 74 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Company's stock owned b} T directors, 



$2,472,945 00 

1,401,651 00 

497,432 00 

13,973 00 

388,000 00 



« LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated June 2, 1873. Commenced business Dec. 11, 1873.] 
Paid-up Capital, $250,000. 



Lewis Davis, President. 



Oliver H. Hill, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Susquehanna Coal Company bonds,. . . $12,000 00 $13,800 00 

Shamokin Valley & Pottsville Railroad bonds, 7,000 00 8,470 00 

Pleasantville & Ocean City Railroad bonds, . 10,000 00 10,700 00 

Steubenville & Indiana Railroad bonds, . . 15,000 00 15,900 00 

Richmond & Danville Railroad bonds, . . 5,000 00 5,700 00 

Huntingdon & B'd Top Car Trust certificates, 5,000 00 5,125 00 

Philadelphia & Heading Railroad bonds,. . 5,000 00 4,000 00 

Summit Branch Railroad bonds, . . . 10,000 00 10,700 00 

Camden & Atlantic Railroad bonds, . . 7,000 00 7,350 00 

Mortgage Trust Co. *f Pennsylvania bonds, . 15,000 00 15,250 00 

Pennsylvania Company bonds, . . . 6,000 00 0,420 00 

Chicago, Rock [aland & Pacific R.R. bonds, . 1<>,000 00 9,800 00 

Pittsburg, Cincinnati & St. Louis R R. bonds, . 21,000 00 24,780 00 

Lehigh Valley Railroad bonds, . . . 42,000 00 48,440 00 

Car Trusl of New York certificates, . . 22,000 00 19,580 00 

Northern Pacific Railroad bonds, . . . 5,000 00 5,050 00 

Grand Rapids & Indiana Railroad bonds, . 10,000 00 9,200 00 

VTesI Jersey Railroad bonds, .... 3,000 00 3,600 00 



1890.] 



INS. COS. OF OTHER STATES. 



287 



Western Pennsylvania Railroad bonds, . 
Chicago, St Louis cv. Pittsburg Railroad bonds, 
.Master Builders 1 Exchange bonds, . 
Wesl Jersey Railroad bonds, .... 
SuhIm, Hazleton & Wilkesbarre R.R. bonds, . 
Shamokin, Snnbury & Lewisborg R R. bonds, 
Pennsylvania Steel Company bonds, 
Texas & Pacific Railroad bonds, 

Ohio River Railroad bond- 

Cincinnati, Richmond & Ft. Wayne R.R. bonds, 



Securities held as collateral for cash loans : — 



1H> shares Minnesota Title Ins. and Trust Co, 
50 " Minnesota Loan and Trust Co , 
45 M 13th & 15th Street Passenger R'y, 
97 " Consolidation National Bank, . 
700 " State Line & Sullivan Railroad, 
200 " Columbus & Xenia Railroad, . 
Denver & Rio Grande Railroad bonds, 
Reading Railroad bonds, .... 

hares Reading Railroad, . 
Camden, X. J., city bonds, 
100 shares Lombard & South St. Pass. Railway 
250 shares Philadelphia & Erie Railroad, 
Lehigh Valley Railroad bond, . 
42 shares Pennsylvania Railroad, 
10 shares Produce National Bank, . 



) 



l'ar Value. 

f 5,000 00 

10,000 00 
6,000 00 

26,000 00 
8,500 00 

10,000 00 

10,000 00 

ll.oDO 00 

5,000 00 
23,000 00 



Market Value. 

$5,150 00 
10,000 00 

6,075 00 
31,200 00 

8,500 00 
10,000 00 
10,600 00 

9,405 00 

5,000 00 
20,450 00 



$324,500 00 $346,245 00 



Market Value. 

$18,000 00 

8,775 00 

7,275 00 

14,000 00 

16,000 00 

17,752 00 

10,000 00 
7,000 00 
6,500 00 
1,250 00 

3,000 00 



Loaned Thereon. 

$14,000 00 

5,000 00 
6,000 00 
8,000 00 
8,000 00 

15,000 00 

9,500 00 

6,000 00 

5,000 00 

500 00 

2,000 00 



$109,552 00 $79,000 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bouds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 



31, 1890. 

$59,535 00 

323,800 00 

7,157 48 

346,245 00 

79,000 00 

425 73 

4,811 24 

1,300 64 

11,967 94 

1,250 00 



5,493 03 



* Value of lands mortgaged, . , $358,700 00 

Value of buildings thereon, 400,000 00 

Amount of insurance held as collateral 262,150 00 



288 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding- risks 
Reclaimable on perpetual fire policies, 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 





$3,597 33 
5,197 50 






$8,794 83 
1,345 15 




3, 


$7,449 68 

7G,04G 83 

212,457 13 

1,500 00 

1,000 00 


$298,453 G4 




. 




$537,039 39 
250,000 00 


, 


f287,039 39 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on morto*ao;es, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Deposits received for perpetual fire risks, 

Cross cash income, .... 



$9,853 56 
' 122,705 56 

$132,559 12 
11,967 94 

$120,591 18 
17,498 29 



sources, 



$14,656 00 



$103,092 89 

19,444 57 

21,187 13 

3,187 41 



$146,912 00 



Expenditures. 

Cash paid for fire losses, $57,200 52 

Deduct salvage and re-insurance, . . . 3,902 22 

Net cash paid lor lire losses, .... 

( ;i-h dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, . $4,166 25 

Gross cash expenditures, 



$53,298 30 

20,000 00 

21,340 82 

9,800 00 

4,050 78 
7,649 73 



$115,639 63 



1890.] 



INS. COS. OF OTHER STATES. 



289 



Risks and Premiums. 



.$11,681,980 00 
. 12,027,918 00 



. $23,709,898 00 
. 10,475,810 00 



.$13,234,088 00 
661,648 00 

.§12,572,440 00 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written (luring 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 8,567,198 00 

Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



rremiums. 

$137,175 89 
122,705 56 

$259,881 45 
105,682 87 

$154,198 58 
7,861 33 

$ 146,337 25 
236,063 47 



$1,086,835 00 

551,387 00 

50,142 00 

208,000 00 

20,000 00 

79,600 00 



" MANUFACTURERS' & BUILDERS' FIRE INSURANCE COMPANY;' 

'NEW YORK, N. l r . 

[Incorporated Nov. 10, 1870. Commenced business Nov. 22, 1870.] 
Paid-up Capital, $200,000. 



Edward V. Loew, President. 



J. Jay Xestell, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

700 shares Chic, Rock Island & Pacific R.R , . $70,000 00 $49,350 00 

400 shares N. Y. Cent. & Hudson River R.R., . 40,000 00 40,600 00 

New York city bonds, 30,000 00 32,100 00 

N. Y., L. E. & W. Coal & Railroad Company, 25,000 00 27,500 00 

Evansville & Terre Haute Railroad, . 20,000 00 21,200 00 

Richmond & West Point Terminal R.R. stock, 20,000 00 13,450 00 

Louisville, Evansville & St. Louis R R. bonds, 25,000 00 22,500 .00 

Manhattan Trust Company stock, . . . 4,500 00 6,075 00 

Third National Bank stock, .... 5,000 00 5,250 00 

Ohio Valley Railroad bonds, .... 13,000 00 11,700 00 

Tradesmen's National Bank stock, . . . 4,880 00 5,124 00 

Marshall Co. Coal Company bonds, . . . 10,050 00 10,050 00 

City Railway Improvement Company bonds, . 2,000 00 2,000 00 

United States bonds, 2,200 00 2,640 00 

Chic., Burlington & Quincy Railroad stock, . 2,040 00 2,160 00 

Illinois Central Railroad stock, . . . 1,700 00 1,700 00 

Charlotte, Columbus & Augusta R.R stock, . 10,000 00 3,000 00 

Richmond & West Point Terminal R.R. bonds, 5,000 00 3,425 00 

Chicago, Burlington & Quincy R.R'. bonds, , 200 00 164 00 



$290,930 00 $259,988 00 



290 



FIRE, MAKINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans: 



100 " Clev., Cin., Chic & St. Louis U.K., 

l.". M Fitchburg Railroad, 

50 " Texas Pacific Railroad, . 

10 " Eagle Fire Company, 
4 " Knickerbocker Trust Company, 

10 " Confl Union Life Ins. Company, 
100 " Western Union Telegraph, . 
100 " Northern Pacific Railroad, 
100 " Chicago, Mil. & St. Paul Railroad, 
110 " Eleventh Ward Bank, . 

20 " Knickerbocker Trust Company, 
100 " Iron Steamboat Company, 
Iron Steamboat Company's bonds, . 
167 shares Con. Tel. & Elec. Subway Co., 
200 " Texas Pacific Railroad, . 
300 " Peoria, Decatur & Evansville R.R 
125 " Louis'le, Evaus'le & St. Louis R.R 
100 " Rich. & West Point Terminal R.R 
Virginia deferred certificates, . 

7 shares Eleventh Ward Bank, . 
121 shares Tradesmen's National Bank, . 
Richmond & West Point Terminal R R. bonds 
City Railway Improvement Company bonds, 
681 shares Iron Steamboat Company, 

13 " Twenty-third Street Railroad, 
4 " Paterson Gas Light Company, 
6^ " Citizens' Gas Light Co. of Newark 
150 " Louis*! e, Evans'le & St. Louis R.R. 
300 " Evansville & Terre Haute Railroad 



Market Value. Loaned Thereon. 

$28,200 00"* 
5,950 00 
1,275 00 

693 75 !> $35,000 00 

1,000 00 j 

740 00 1 

1,000 00 J 

7,750 00) 

6,500 00 > 17,300 00 
5,200 00' 
6,875 00 ^| 



3,700 00 



2,500 00 f 
1,500 00 j 

33,400 00 
2,775 00^ 
4,575 00 
6,250 00 
1,600 00 
800 00 
437 50 
5,082 00 ) 
1,370 00 I 

10,000 00 

17,025 00^ 

6,240 00 | 

400 00 ( 

1,156 25 j 

7,500 00 

15,900 00 



11,000 00 
5,000 00 



14,800 00 

4,690 00 
5,000 00 



12,000 00 
16,800 00 



$187,394 50 $121,590 00 



Summart or Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $70,000 00 

[nterest due or accrued thereon, . . . 2,652 78 

Stocks and bonds, as per schedule, . . . 259,988 00 

Loan- <>n collateral security, as per schedule, . 121,590 00 

Cash in the office of the company, . . . 3,387 93 

Cash deposited in bank, 7,660 9.3 

Interest due and accrued, 4,594 21 

Premiums in course of collection (gross), . 37,049 28 

Cross asset-, 



$506,923 13 



* Value of landi mortgaged $78,000 00 

Value of buildings thereon, 63,ooo 00 

Amount of insurance held as collateral, .... :?G,000 00 



18iH),] 



INS. COS. OF OTHER STATES. 



291 



Liabilities. 



adjusted, unpaid, . 
claimed and reported, . 

disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amounl of unpaid Losses, , 
Unearned premiums on outstanding 

Dividends to stockholders unpaid, 

Due for borrowed money, 
Commissions and brokerage, . 
Return premiums, 

Kent accrued 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, . 



risks 



$23,420 96 
6,706 34 

3,004 62 

|38,131 92 

2,080 42 

$ 31,051 50 

149,018 84 

195 00 

30,000 00 
8,313 74 
3,100 55 
1,708 34 



$223,387 97 

$283,535 16 
200,000 00 

$83,535 16 



Income 

Fire premiums outstanding Dec. 31,1889, 
Same not collected, .... 

Net collected, . . • . 

Premiums on risks written or renewed, 

Total, 

Premiums now iu course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on rnort£acres, 

Interest and dividends received from all other 

Income from rents, etc., . 

Gross cash income, 



$41,442 61 
10,348 24 

$31,094 37 
262,534 90 

$293,629 27 
37,049 28 

$256,579 99 
37,818 05 



sources, 



$218,761 94 

2,058 33 

13,975 60 

7,248 69 

$242,044 56 



Expenditures. 

Cash paid for fire losses, ' 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..'... 

Gross cash expenditures, .... 



$133,225 29 
12,984 50 



$120,240 79 
11,820 00 
55,937 39 
21,789 84 
5,767 52 
23,668 13 

$239,223 67 



292 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dee. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

. $39,809,040 00 $296,045 35 
. 32,533,694 00 262,534 90 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $72,342,734 00 $558,580 25 
. 30,129,755 00 244,340 84 



. $42,212,979 00 $314,239 41 
. 4,233,893 00 23,342 65 



. $37,979,086 00 $290,896 76 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$2,865,546- 00 

1,187,034 00 

126,077 00 

335,000 00 

12,000 00 

67,600 00 



"MARINE INSURANCE COMPANY," ST. LOUIS, MO. 

[Incorporated Jan. 25, 1837. Commenced business February, 1837.] % 
Paid-up Capital, $200,000. 

James A. Bartlett, President. Samuel G. Kennedy, Secretary. 



Detailed Statement of Bonds. 



Kansas Pacific Railroad bonds, 

St. Charles Water & Heating Co. bonds, . 

Palestine Water Company bonds, . 



Securities held as collateral for cash loans : — 



200 shares National Bank of Commerce, . 

30 " St. Louis & N. O. Anchor Line, 
100 " Diamond Match Co., Chicago, 

68 " Diamond Match Co., Chicago, 
Personal note secured, .... 



Par Value. 
$120,000 00 
33,000 00 
15,000 00 



Market Value. 

$132,000 00 
33,000 00 
12,750 00 



$168,000 00 $ 177,750 00 



Market Value. Loaned Thereon. 



$30,200 00 

1,350 00 

12,500 00 

8,500 00 

3,500 00 



$22,000 00 

1,100 00 

10,000 00 

5,000 00 

2,784 91 



$56,050 00 $40,884 91 



1890.] 



INS. COS. OF OTHER STATES. 



293 



Summary of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*), 
Bonds, as per schedule, .... 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



$11,267 35 

177,750 00 

40,884 91 

440 06 

16,388 60 

2,450 00 

5,554 22 



$254,735 14 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital,. . 

Surplus over capital, .... 



$3,350 00 

32,579 75 

6,000 00 

1,224 01 



43,153 76 

$211,581 38 
200,000 00 

$11,581 38 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



$4,458 70 
63,697 19 



,155 89 
5,513 09 



$62,642 80 
10,393 56 

$73 08 
12,930 23 

$13,003 31 
41 13 



$12,962 18 
5,226 77 



$52,249 24 



7,735 41 
12,541 64 

$72,526 29 



* Value of lands mortgaged, ' $18,270 00 

Value of buildings thereon, 14,000 00 

Amount of insurance held as collateral 11,000 00 



294 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

( lash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$25,977 58 
4,747 58 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, ....... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$4,703,180 00 
6,098,647 00 

$10,801,827 00 
5,082,596 00 

$5,719,231 00 
93,375 00 



$7,350 00 
1,810,604 00 

f 1,817,954 00 
1,805,454 00 



f 12,500 00 



Miscellaneous. 

Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, 



$21,230 00 

12,000 00 

11,892 74 

7,250 00 

5,252 92 

4,733 60 

$62,359 26 



Premiums. 

$55,194 33 
63,697 19 

$118,891 52 
53,529 60 

$65,361 92 
1.065 60 



^5,625,856 00 $64,296 32 



$60 50 
12,930 23 

512,990 73 
12,890 73 

$100 00 



$23,267 00 

3,600 00 

12,000 00 

48,800 00 



"THE MECHANICS' INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 13, 1854. Commenced business May 4, 1S54.] 
PAiD-ur Capital, $250,000. 

Charles J. Gallagher, President. Simon J. Martin, Secretary. 

Detailed Statement of Stocks and Bonds. 

• Par Value. Market Value. 

Phila., Wilmington & Baltimore R.R. bonds, . $5,000 00 $5,250 00 

Union Passenger Railway bonds, . . . 20,000 00 21,200 00 

Allegheny Car Trust bonds G,000 00 6,000 00 

Lombard & South Streets Pass. ITy bonds, . 20,000 00 20,200 00 



1890.] 



INS. COS. OF OTHER STATES. 



295 



Steubenville & Indiana Railroad bonds, . 
Borough of Clifton Heights bonds, . 
Pennsylvania Car Trust bonds, 
Schuylkill River, East side, Railroad bonds, 

St. Louis city bonds, 

Northern Pacific Terminal Company bonds, 
Leavenworth, Kan., city bonds, 
100 shares Union Passenger Railway, 
Columbus & Cincinnati Midland R.R. bonds, 
Harrisburg city bonds, .... 
Phila., Wilmington & Baltimore R.R. bonds, 
Philadelphia »Xr Erie Railroad bonds, 
Bell's Gap Equipment Trust bonds, . 
North Pennsylvania Railroad bonds, 
Catawissa Railroad bonds, 
Savannah & Western Railroad bonds, 



Securities held as collateral for cash loans : — 

300 shares Pennsylvania Railroad, . 
200 " Lehigh Valley Railroad, . 

300 " Lehigh Valley Railroad, . 



Par Value. 

$25,000 00 

6,000 00 

5,000 00 

30,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

2,000 00 

28,000 00 

10,000 00 

11,000 00 

9,000 00 

5,000 00 



Market Value. 

$26,750 00 

6,000 00 

5,000 00 

31,200 00 

10,000 00 

10,600 00 

10,000 00 

17,000 00 

9,000 00 

5,400 00 

2,000 00 

27,440 00 

10,000 00 

12,265 00 

10,440 00 

5,000 00 



|232,000 00 $250,745 00 



Market Value. Loaned Thereon. 



$14,962 50 

9,575 00 

14,362 50 



$ 24,000 00 
12,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loaus on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, . 

Dividends to stockholders unpaid, . 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 



$38,900 00 $36,000 00 

31, 1890. 

$83,500 00 

286,300 00 

3,612 40 

250,745 00 

36,000 00 

2,857 92 

27,507 07 

1,145 10 

25,320 88 

647 40 

$717,635 77 



$8,505 89 

11,294 11 

101,855 46 

175,609 36 

250 00 

6,584 89 

2,727 96 



306,827 67 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$665,250 00 
270,900 00 



296 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Surplus as regards policy-holders, 
Paid-up capital, .... 



$410,808 10 
250,000 00 



Surplus over capital, $160,808 10 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $15,048 94 
Premiums on risks written or renewed, . . 186,057 54 

Total, $201,106 48 

Premiums now in course of collection, . . 25,320 88 

Entire premiums collected, .... $ 175,785 60 
Less re-insurance and return premiums, . . 20,860 36 

Net cash fire premiums received, . . . 

Interest received on mortgages, ■ 

Interest and dividends received from all other sources, . 

Income from rents, etc., 

Deposits received for perpetual fire risks, . . $9,799 65 

Gross cash income, 



$154,925 24 

13,842 06 

14,364 48 

5,409 04 



Expenditures. 
Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for repairs on real estate, . 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 

Risks and Premiums. 



$75,751 15 
2,753 67 



$188,540 82 



$72,997 48 

19,953 00 

37,410 18 

7,441 64 

6,364 26 

8,532 27 

643 53 



$3,945 50 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Perpetual risks in force (not included above), . 



$16,758,176 00 
19,496,407 00 



$36,254,583 00 

17,034,352 00 

$19,220,231 00 

8,535,652 00 



$153,342 36 

Premiums. 

$163,540 72 
186,057 54 

$349,598 26 
157,831 88 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred (luring the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 percent.), . 
Company's stock owned by directors, . 



$191,766 38 
192,048 57 



,460,789 00 

693.659 00 
79,207 00 

360.660 00 
20,000 00 
57,475 00 



1890.] 



INS. COS. OF OTHER STATES. 



297 



"MECHANICS 1 AND TRADERS' INSURANCE COMPANY," 
NEW ORLEANS, LA. 

[Incorporated Oct. 15, 1869. Commenced business Nov. 1, 1869.] 
Paid-up Capital, $375,000. 

Lloyd R. Coleman, President. Geo. H. Frost, Secretary. 



Detailed Statement of Stocks 



United States bonds,. 
Louisiana bond-, • . 
City of New Orleans bonds, 

\ shares Mutual Nat'l Bank of New Orleans 

87 ' 
588 ' 

25 

50 ' 

2 ' 

294 ' 

75 ' 
100 ' 
110 
712 
822 
200 

50 ' 

10 

20 

n 



Union Nat'l Bank of New Orleans 
People's Bank of New Orleans, 
Southern Nat. B'k of New Orleans 
American Nat. B'k of New 'Orleans 
Traders 1 Nat Bank of New Orleans 
Mississippi State Bank of Canton 
New Orleans City & Lake R. 11., 
St. Charles Street Railroad, . 
Crescent City Railroad, . 
Orleans Street Railroad, . 
New Orleans Gas Light Company 
New Orleans Water Works Co., 
Standard Guano & Chem. Man. Co. 
Standard Cotton-seed Oil Company, 
National Acid Company, 
Chambers, Roy & Company, . 
New Louisiana Jockey Club, . 



and Bonds. 

Par Value. 

810,000 00 

205,000 00 

11,000 00 

63,200 00 

8,700 00 

29,400 00 

8,500 00 

2,500 00 

500 00 

200 00 

29,400 00 

3,750 00 

10,000 00 

5,500 00 

71,200 00 

82,200 00 

20,000 00 

2,500 00 

1,000 00 

2,000 00 

1,400 00 



Market Value. 

$12,500 00 

191,162 50 

11,188 75 

82,160 00 

11,571 00 

62,475 00 

9,095 00 

2,750 00 

462 50 

267 00 

36,162 00 

• 7,012 50 

9,700 00 

7,370 00 

73,336 00 

72,541 50 

44,000 0.0 

2,500 00 

1,000 00 

2,000 00 

1,050 00 



Securities held as collateral for cash loans 
10 shares American National Bank, . 



$567,950 00 $640,303 75 

Market Value. Loaned Thereon 

§1,100 00 $1,000 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks and bonds, as per schedule, . 
Loaus on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 



31, 1890. 

|25,391 25 

800 00 

640,303 75 

1,000 00 

1,986 45 

25,373 55 

79,454 92 

8,399 06 

3,507 19 



$786,216 17 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

LlAB 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Dividends to stockholders unpaid, 
State and local taxes, 
Re-insurance, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



II.ITIES. 



risks, 



Surplus over capital, . 



$31,010 48 

15,337 03 

4,411 10 

$50,758 Gl 
32,974 60 

$ 17,784 01 

160,469 15 

18,750 00 

4,024 55 

2,560 20 



$203,587 91 



$582,628 26 
375,000 00 

$207,628 26 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $36,776 92 

Premiums on risks written or renewed, . . 409,859 97 

Total, $446,636 89 

Premiums now in course of collection, . . 68,866 17 

Entire premiums collected, .... $377,770 72 

Less re-insurance and return premiums, . . 118,816 92 

Net cash fire premiums received, . . . 

Marine premiums outstanding Dec. 31, 1889, . $17,997 25 

Premiums on risks written or renewed, . . 53,350 84 

Total, ...;.... $71,348 09 

Premiums now in course of collection, . . 18,987 81 

Entire premiums collected $52,360 28 

Less re-insurance and return premiums, . . 10,633 17 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from rents, 



$258,953 80 



Gross cash income, 



41,727 11 

38,072 13 

1,407 31 

$340,160 35 



Expenditures. 
( !asb paid for lire Losses, . 
Dedud Barrage and re-insurance, 
Net cash paid for fire Losses, . 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cast paid for marine and inland losses, 



81 72,650 43 
39,769 50 

§37,594 53 
6,519 66 



§1:52,880 93 
31,074 87 



1890.] 



INS. COS. OF OTHER STATES. 



299 



Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals,. .... 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1890, . 
Deduct risks expired and terminated, 



.$11,026,211 00 
. 30,127,416 00 



.$41,153,627 00 
. 17,321,644 00 

.$23,831,983 00 
. 2,863,399 00 



$37,500 00 

43,521 10 

30,310 00 

9,077 88 

28,362 08 

$312,726 86 



Premiums. 

$249,719 77 
409,859 97 

$659,579 74 
309,568 91 

$350,010 83 
41,564 68 



. $20,968,584 00 f 308,446 15 



£8,934,701 00 
8,934,701 00 



$53,350 80 
53,350 80 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$4,507,898 00 

2,063,925 00 

141,982 00 

19,903 00 

1,047,087 00 

37,500 00 

96,400 00 



."MERCHANTS 1 INSURANCE COMPANY .OF NEWARK, 1 ' 

NEWARK, N. J. 

[Incorporated Feb. 18, 1858. Commenced business April 18, 1858.] 
Paid-up Capital, $400,000. 

Henry Powles, President. J. R. Mullikin, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. • Market Value. 

$35,000 00 $52,500 00 

15,000 00 33,750 00 

10,000 00 25,000 00 

13,700 00 26,030 00 

36,050 00 54,075 00 

25,000 00 30,500 00 



Morris & Essex Railroad stock, 

United New Jersey R.R. and Canal Co. stock, 

Newark Gas Light Compan} T stock, . 

Citizens 1 Gas Light Company stock, . 

Warren Railroad stock, . . . . . 

United States bonds, 



300 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Central Railroad of New Jersey bonds, . 
New Jersey Southern Railroad bonds, 
Long Branch & Sea Shore Railroad bonds, 
United New Jersey R.R. and Canal Co. bonds 
Midland Railroad of New Jersey bonds, 
Morris & Essex Railroad bonds, 
North Hudson Railroad Company bonds, 
Newark & Bloom field Horse Car R.R. bonds, 
Orange & Newark Horse Car R.R. bonds, 
Belleville & Newark Horse Car R.R. bonds, 
Irvington & Newark Horse Car R.R. bonds, 
St. Louis, Ark. & Texas R.R. bonds, 
New Jersey State bonds, .... 
East Orange Street Improvement bonds, . 
American Dock and Improvement Co. bonds, 
Long Branch school bonds, 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Premiums more than 3 months due, $ 8,841 68 

Gross assets, 

Deduct special deposits in other States, . 



Par Value 

$32,000 00 

30,000 00 

5,000 00 

20,000 00 

100,000 00 

40,000 00 

100,000 00 

10,000 00 

50,000 00 

1,000 00 

3,000 00 

10,000 00 

1,000 00 

3,500 00 

50,000 00 

15,000 00 



Market Value. 

$35,920 00 

33,000 00 

5,950 00 

25,000 00 

113,000 00 

54,650 00 

106,500 00 

11,400 00 

57,500 00 

1,150 00 

3,450 00 

6,900 00 

1,050 00 

3,675 00 

54,500 00 

17,250 00 



$605,250 00 $752,750 00 

31, 1890. 

$237,500 00 

453,000 00 

8,116 73 

752,750 00 

9,746 63 

22,954 73 

2,301 59 

114,276 29 

303 28 



.,600,949 25 
30,500 00 



Balance, . $1,570,449 25 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 



$36,382 75 
44,611 34 
10,433 67 

$91,427 76 
2,481 92 

188,945 84 



* Value of landl mortgaged, 
Value of buildings thereon, . 
Amount of Insurance held aa collateral, 



$493,2S0 00 
648,000 00 
644,075 00 



1890.] 



IXS. COS. OF OTHER STATES. 



301 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Unpaid SClip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and loeal taxes, 
Commissions and brokerage, . 
Return premiums, 

Miscellaneous, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 

Paid-up capital, .... 

Surplus over capital, . 



$610,106 11 

418 00 

4,363 00 

1,049 71 

479 75 

19,022 77 

13,171 94 

6,178 72 

$743,730 84 
29,691 45 



$714,039 39 

$856,409 86 

400,000 00 

$456,409 86 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash lire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 



Expenditures. 

Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash dividends paid, 
Cash paid for redemption of scrip, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 



$98,404 01 

3,048 59 

$95,355 42 

971,672 59 

1,067,028 01 

120,069 38 

$946,958 63 

114,530 40 



sources, 



$532,788 63 
15,545 07 



$832,428 23 

22,733 71 

43,434 55 

2,521 67 



,118 16 



$517,243 56 
40,835 00 
143 00 
160,037 17 
34,794 00 
20,622 44 
92,878 11 



$5 00 



Gross cash expenditures, 



$866,553 28 



302 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dee. 81, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$97,172,215 00 $1,098,852 95 
. 86,011,240 00 971,072 59 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$183,183,455 00 $2,070,525 54 
. 75,952,702 00 870,501 12 



$107,230,753 00 $1,200,024 42 
. 1,857,447 00 22,081 68 



$105,373,306 00 $1,177,942 74 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$9,980,353 00 

5,168,563 00 

531,529 00 

764,219 00 

40,000 00 

75,000 00 



MERCHANTS 1 INSURANCE COMPANY IN PROVIDENCE," 

PROVIDENCE, R. I. 

[Incorporated May, 1851. Commenced business July, 1851. J 
Paid-up Capital, $200,000. 



W. T. Batiton, President. 



W. P. Goodwin, Secretary. 



Detailed Statement of Stocks 



1600 shares National Bank of Commerce, 

L000 ■ 

W0 ' 

200 • 

467 l 

200 ' 

257 ' 

102 " 

100 " 



' American National Bank, 

1 Merchants 1 National Bank, . 

' Globe National Bank, . 

' Providence, (las Company, 

1 Phenix National Bank, . 

' Mechanics 1 National Bank, . 
• Manufacturers 1 National Bank, 

St. Paul & Dulutb Railroad, . 
Chicago, Burlington & Northern Railroad bond 
Eastern Railroad of Minnesota bonds, 

( it v of Providence, R I , note, 



8, 



and Bonds. 

Tar Value. 

$80,000 00 
50,000 00 
20,000 00 
10,000 00 
28,850 00 
10,000 00 
12,850 00 
10,200 00 
10,000 00 
10,0C0 00 
10,000 00 
20,000 00 



Market Value. 

$89,600 00 
44,000 00 
26,800 00 
16,400 00 
34,091 00 
15,600 00 
14,392 00 
13,872 00 
8,700 00 
9,900 00 
10,300 00 
20,000 00 



$266,400 00 $303,655 00 



>0.] 



[NS. COS. OF OTI1KK STATES. 



303 



Securities held as collateral for cash loans: — 



1 l shares Phenix National Bank, Providence,. 

Bank book, Providence Institution for Savings, 
New Haven & Derby Railroad bonds, 
4 shares Boston & Albany Railroad, 
American Wood Paper Company bonds, . 

10 -hare- ( Vntral ( !ar ( 'ompany, Conn , . 

5 ■ 
22 

10 ' 
66 ■ 

5 ' 

4 ■ 
20 ■ 
20 ' 



American Investment Co. of Iowa, 
Xat'l Warren Bank, Warren, EL I., 
Mechanics 1 Xat'l P>'k, Providence, R. I., 
Union Railroad, Providence, 

utral Car Company of Conn., 
National Eagle Bank, Providence, 
New Yoi'k Central Pail road, 
Chicago^ Rocfe Island & Pacific P.P., 
Bank book, Mechanics 1 Savings P"k. Providence, 



Market V 

$1,092 
263 

1,800 
776 
400 

1,100 
500 

1,210 

560 

13,088 

550 

240 

1,460 
740 



alue. Loaned Thereon. 

00? 
79 S 
00^1 



00 

00 

00 I 

00 J 

00 

00 

00 

00 

00 

00 

00 

00 



$1,150 00 

7,200 00 

1,600 00 

9,000 00 

540 00 

1,922 50 
500 00 



$28,799 79 $21,912 50 



SUMMABT OF ASSETS DEC. 31, 1890. 

Loans on mortgage of real estate (first liens*), $102,000 00 

1,487 45 

303,655 00 

21,912 50 

3,373 55 

31,884 07 

667 64 

36,212 86 

500 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
( lash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Salvage, 

Gross assets,f 



$501,693 07 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Cnearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 



$8,965 68 

18,709 65 

1,653 99 

$29,329 32 
1,250 00 

828,079 32 

168,476 95 

339 67 

3,057 12 



199,953 06 



* Value of lands mortgaged, $96,500 00 

Value of buildiugs thereon, ' 150,000 00 

Amount of insurance held as collateral, .... 102,300 00 

t Including $40,000 special reserve fund, held under Rhode Island law. 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dee. 31, 1889, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

Gross cash expenditures, . 

Risks and Premiums. 



|29,523 92 

44 79 

$29,479 13 
304,375 41 

$333,854 54 
36,212 86 



$297,641 68 
36,164 39 



$150,952 84 
2,113 86 



$301,740 01 
200,000 00 

$101,740 01 



$261,477 29 

5,205 09 

15,400 80 

$282,083 18 



$148,838 98 

14,000 00 

50,569 34 

38,063 46 

7,439 85 

$258,911 63 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890,. 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

. $26,643,583 00 $296,517 24 
. 27,779,232 00 304,375 41 



. $54,422,815 00 $600,892 65 
. 25,284,779 00 269,274 08 



. $29,138,036 00 $331,618 57 
584,106 00 5,129 50 



$28,553,930 00 $326,489 07 



Miscellaneous. 
Premiums receired from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 

Cash dividends declared from Organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, . 



f6,387,760 00 

4,274,791 00 

132,768 00 

678,000 00 

14,000 00 

43,200 00 



1890.] 



INS. COS. OF OTHER STATES. 



305 



MERIDEN FIRE INSURANCE COMPANY OF MERIDEN," 

MERIDEN, CONN. 

[Incorporated July, 186S. Commenced business Feb. 1, 1872.] 
Paid-up Capital, $200,000. 



A. Chamberlain, President. 



E. B. Cowles, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $20,000 00 $24,400 00 

Omaha, Neb., city bonds, . .... 10,00000 11,00000 

Mercer County, O ,>>nds 5,000 00 5,500 00 

Danbury & Norwaltf Railroad bonds, . . 18,500 00 14,137 50 

New York & New England Railroad bonds, . 25,000 00 28,050 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 5,000 00 5,250 00 

Dayton & Michigan R.R. bonds, . . . 5,000 00 5,400 00 

Chicago, Rock [sland & Pacific R.R bonds, . 5,000 00 5,000 00 

Naugatuck, Conn., Water Company bonds, . 5,000 00 5,750 00 

New York, New Haven & Hartford R.R. stock, 4,200 00 10,710 00 

Chicago, Rock Island & Pacific Railroad stock, 5,000 00 3,525 00 

Chicago, Burlington & Quincy R.R. stock, . 10,000 00 9,000 00 

Delaware & Hudson Railroad stock, . . 6,200 00 8,015 00 

Chicago & North Western Railroad stock, . 5,000 00 5,250 00 

Morris & Essex Railroad stock, . . . 5,000 00 7,500 00 

Chicago, Milwaukee & St. Paul Railroad stock, 5,000 00 5,300 00 

Adams Express Company stock, . . . 10,000 00 14,700 00 

American Express Company stock, . . . 5,000 00 5,800 00 

Wells Fargo & Company Express stock,. . 2,500 00 3,500 00 

Meriden Gaslight Company stock, . . . 6,500 00 11,375 00 

Home National Bank, Meriden, stock, . . 32,300 00 40,375 00 

Meriden National Bank, Meriden, stock, . . 10,100 00 13,130 00 

First National Bank, Meriden, stock, . . 24,800 00 27,900 00 

New Britain National Bank, Conn., stock, . 4,500 00 7,200 00 

Mechanics" National Bank, New Britain, stock, 5,000 00 5,500 00 

Mercantile National Bank, Hartford, stock, . 5,000 00 4,750 00 

Phoenix National Bank, Hartford, stock, . . 200 00 270 00 

First National Bank, Wallingford, stock, . 1,500 00 1,650 00 

Southington National Bank, Conn., stock, . 2,000 00 2,020 00 

$243,300 00 $291,957 50 

Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $30,600 00 

Interest due or accrued thereon, . . . 197 38 

Stocks and bonds, as per schedule, . . . 291,957 50 

Cash in the office of the company, . . . 5,540 55 

Cash deposited in bank, 26,956 82 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$47,700 00 
45,550 00 
35,500 00 



306 



PIKE, MARINE, AXD FIRE-MARINE [Dec. 31, 



Interest due and accrued 

Premiums in course of collection (gross), 

Non-resident tax due, .... 

Gross asset- 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . ...... 



$6G6 G7 

29,021 85 

101 75 



$4,561 79 
7,655 79 
2,200 00 

$14,417 58 
386 13 



$14,031 45 

85,980 81 

800 00 

2,629 38 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $23,871 62 
Same not collected, 500 00 

Net collected, $23,371 62 

Premiums on risks written or renewed, . • . 193,919 72 

Total, f217,291 34 

Premiums now in course of collection, . . 29,021 85 

Entire premiums collected, .... $188,269 49 
Less re-insurance and return premiums, . . 45,624 63 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, .... 

Cash dividends paid, 

Cash paid for commissions aud brokerage, 

for Balaries of officers and employees, 

for Stale and local taxes, 

for incidentals, 

Gross easli expenditures, .... 



$103,029 63 
16,744 46 



$385,042 52 



103,441 64 



$281,600 88 
200,000 00 

$81,600 88 



$142,644 86 

1,598 50 

15,066 21 

$159,309 57 



$86,285 17 

16,000 00 

27,197 60 

9,550 00 

2,769 24 

3,203 76 

$145,005. 77 



1890.] 



INS. COS. OF OTHER STATES. 



307 



Risks and Premiums. 



Fire risks outstanding- Dec. 81, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



.f 17,071,394 00 
. 18,294,310 00 



. $35,365,704 00 
. 16,368,493 00 



.$18,997,211 00 
. 2,770,171 00 



Premiums. 

$172,324 05 
193,919 72 

$366,243 77 
172,133 02 

$194,110 75 
30,633 43 



.$16,227,040 00 $163,477 32 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Casta dividends declared from organization of company 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, 



$2,488,295 00 

1,503,690 00 

79,701 00 

280,000 00 

16,000 00 

66,667 00 



"MICHIGAN FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated February, 1881. Commenced business March, 1881.] 
Paid-up Capital, $400,000. 



D. Whitney, Jr., President. 



Eugene Harbeck, Secretary. 



Detailed Statement of Stocks and Bonds. 



People's Savings Bank stock, . 
Cheboygan County bonds, 
Alpena County bonds, 
Detroit city bonds, 



Securities held as collateral for cash loans : 
Am. Bank and Sar. Association, Detroit, stock, 



Par Value. 

$5,000 00 

12,500 00 

1,000 00 

10,025 00 



Market Value. 

$7,000 00 

12,500 00 

1,000 00 

10,025 00 



$28,525 00 $30,525 00 



Market Value. 

$360 00 



Loaned Thereon. 

$300 00 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $18,545 47 

Loans on mortgage of real estate (first liens*), 676,543 33 



Interest due or accrued thereon, 



18,321 43 



Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$1,350,535 00 
598,950 00 
384,000 00 



308 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Note* taken for marine and inland risks, 
Gross assets, 



$30,525 00 

300 00 

9,365 27 

8,606 85 

754 92 

7:»,886 25 

2,864 98 



$841,713 50 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, . ' 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$4,063 62 

5,141 04 

3,900 00 

262,870 28 

11,965 08 

6,857 00 



Surplus over capital, . 



294,797 02 

$546,916 48 

400,000 00 

$146,916 48 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from commissions, 

Gross cash income, .... 



5,547 54 
511,512 67 

$578,060 21 
75,886 25 

$502,173 96 
91,420 77 

$2,707 29 
78,753 72 



,461 01 

2,864 98 



$78,596 03 
10,511 59 



sources, 



$410,753 19 



68,084 44 

39,506 98 

2,545 65 

3,838 71 

$524,728 97 



1890.] 



IXS. COS. OF OTHER STATES. 



309 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Cash paid for marine and inland losses, . 

( 'ash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

for expenses on real estate. 

dross cash expenditures, .... 



$223,306 87 
28,098 79 

$53,967 08 
4,972 65 



$ 195,208 08 



48,994 43 

32,000 00 

98,140 30 

12,270 00 

11,536 74 

48,224 58 

693 71 

$447,067 84 



Risks and Premiums. 



Fire risks outstanding 1 ><•<■. 31, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$28,888,170 00 
38,621,327 00 



$67,509,497 00 
29,048,073 00 



$38,461,424 00 
2,157,642 00 



Premiums. 

$384,507 44 
511,512 67 

$896,020 11 
379,258 53 

$516,761 58 
28,646 63 



$36,303,782 00 $488,114 95 



$103,000 00 
4,360,498 00 

$4,463,498 00 
4,268,926 00 



$4,268 59 
78,753 72 



3,022 31 
75,049 09 



$194,572 00 $7,973 22 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (8 per cent.), . 

Company's stock owned by directors, . 



$2,310,438 00 

1,140,305 00 

198,459 00 

32,841 00 

86,000 00 

32,000 00 

211,800 00 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"MIDDLESEX MUTUAL ASSURANCE COMPANY," MIDDLETOWN. 

CONN. 

A mutual company. 
[Incorporated June 2, 1836. Commenced business June 13, 1836.] 

O. Vincent Coffin, President. C. W. Harris, Secretary. 



Detailed Statement of Stocks 



Middletown, Conn., town bonds, 

Chatham, Conn., town bonds, . 

Portland, Conn., town bonds, . 

Kansas City, Mo , city bonds, . 

Jersey City, N. J., city bonds, . 

Evansville, Ind., cit} T bonds, 

Burlington, la., city bonds, 

Jeffersonville, Ind , city bonds, 

Douglas County, Neb., bonds, . 

Delaware & Hudson Canal Company bonds, 

Norwich & Worcester Railroad bonds, . 

Chicago, Burlington & Quincy R.^,. bonds, 

Col , Hocking Valley & Toledo R.R. bonds, 

Terre Haute & Logansport R.R. bonds, . 

Chicago, Burlington & Northern R.R. bonds, 

American Water Works bonds, 

Nebraska Loan & Trust Company bonds, 

Equitable Mortgage Company bonds, 

Middlesex Banking Company bonds, 

200 shares N. Y. Central & Hudson River R.R 

250 ' 

250 « 

250 ' 

400 ' 

170 ' 

150 ■ 

85 ■ 

30 ' 

55 ' 

ID ' 



Chic, Rock Island & Pacific R.R., 
N. Y ., Now Haven & Hartford R.R. 
Chic , Burlington & Quincy R.R,, 
Chicago & Northwestern Railroad, 
Middletown National Bank, Conn., 
First Nat'l B'k, Middletown, Conn , 
.Middlesex Co. Natfl B'k, Middlet'n, 
Central Xafl Hank, Middletown, . 
American Exch. Nat'l Bank, N. Y., 
First Nat'l Bank, Portland, Conn , . 



and Bonds. 

I'ar Value. 

$-12,100 00 

10,000 00 

92,000 00 

5,000 00 

15,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

7,500 00 

10,000 00 

5,000 00 

2,500 00 

10,000 00 

60,000 00 

10,000 00 

10,000 00 

20,000 00 

25,000 00 

25,000 00 

25,000 00 

40,000 00 

12,750 00 

15,000 00 

8,500 00 

2,2,50 00 

5,500 00 

1,000 00 



$504,100 00 
Summary of Assets Dec. 81, 1890. 

Cash value of unencumbered real estate . $58,650 00 

Loans on mortgage of real estate (first liens*), L ; ."),000 00 

Stocks and bonds, as per schedule, . . . 551,375 00 

Cash deposited in bank, 33,132 97 

Premiums in course of collection (gross), . 8,430 21 

Gross assets . 



Market Value- 

$42,100 00 

10,000 00 

92,000 00 

5,200 00 

15,000 00 

4,250 00 

5,000 00 

11,000 00 

10,500 00 

14,000 00 

5,500 00 

7,575 00 

8,000 00 

5,500 00 

2,500 00 

10,000 00 

60,000 00 

10,000 00 

10,000 00 

20,200 00 

17,500 00 

62,500 00 

22,500 00 

47,800 00 

17,000 00 

15,000 00 

8,500 00 

3,000 00 

8,250 00 

1,000 do 

$551,375 00 



176,588 18 



* Value of Lands mortgaged, 

Value of building! t lici ci.n, 



f82,645 nil 
13,400 00 



1890.] 



INS. COS. OF OTHER STATES. 



311 



Liabilities. 

(josses claimed and reported, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 

Commissions and brokerage, . 

Gross liabilities, 



Surplus, 



$3,020 32 

129,226 11 

. 3,977 85 

2,107 55 



$138,331 83 
$538,256 35 



Income. 
Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received <m mortgages, 

Interest and dividends received from all other 

Income from rents, 



dross cash income, 



$6,677 16 
70,481 15 

|77,168 31 

8,430 21 



,728 10 
4,000 93 



sources, 



$64,727 17 

627 19 

30,109 55 

3,527 21 

$98,991 12 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



|32,365 19 

9,339 22 

10,200 00 

4,938 02 

8,719 00 

,561 43 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$33,014,208 00 $253,654 32 
10,590,457 00 70,481 15 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



MISCELLANEOUS 

Losses paid from organization of company, 
Fire losses incurred during the year, 



$43,604,665 00 $324,135 47 
9,674,513 00 65,643 83 



$33,930,152 00 $258,491 64 
7,217 00 39 42 



$33,922,935 00 $258,452 22 



$622,561 00 
35,386 00 



312 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"MILWAUKEE MECHANICS 1 INSURANCE COMPANY," 
MILWAUKEE, WIS. 

[Incorporated Feb. 15, 1852. Commenced business April 1, 1852.] 
Paid-up Capital, $200,000. 

Christian Preusser, President. Adolf J. Cramer, Secretary. 



Detailed Statement of Stocks 



Milwaukee city bonds, 

Brown County, Wis., bonds, 

Oshkosh City, Wis* bonds, 

Door County, Wis., bonds, 

La Crosse City, Wis , bonds, 

St. Paul, Minn., city bonds, 

Ramsey County, Minn., bonds, . 

Central Map Sur. & Pub. Co., Chicago, stock, 



and Bonds. 

Par Value. 

$227,000 00 

83,000 00 

30,000 00 

3,000 00 

35,000 00 

225,000 00 

100,000 00 

500 00 



Market Value. 

$228,750 00 

86,500 00 

33,300 00 

3,090 00 

37,100 00 

245,000 00 

108,000 00 

500 00 



Securities held as collateral for cash loans : — 

Grafton Worsted Mills stock, .... 
C. Preusser Jewelry Company stock, 
Mortgage assigned, 



$703,500 00 $742,240 00 

Market Value. Loaned Thereon. 

$15,000 00 $10,000 00 

10,000 00 6,250 00 

3,200 00 1,600 00 



$ 28,200 00 $17,850 00 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, ^ 
Interest due and accrued, . 
Premiums in course of collection (gross), 
(iross assets, 



$34,300 00 

764,670 no 

13,362 00 

742,240 00 

17,850 00 

14,727 42 

86,340 68 

7,483 00 

56,219 34 



,737,193 04 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

(iross liabilities, except capital, 



$3,858 47 

15,403 00 

4,050 00 

482,571 18 

10,960 63 



516,843 28 



Value of lands mortgaged, 

Value of buildings thereon, 

Amount of Insurance held as collateral, 



(1,290,000 00 
528,600 00 
473,400 00 



1890.] 



INS. COS. OF OTHER STATES. 



313 



Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Deo. 31, 1889, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 

Interest and dividends received from all other 
Income from rents, .... 
Income from commissions, 

Gross cash income, . 



,220,349 76 
200,000 00 



$1,020,349 76 



$48,527 31 
627,769 53 

$676,296 84 
50,219 34 

|620,077 50 

68,937 41 



sources, 



$551,140 09 

50,754 98 

33,811 15 

916 65 

360 95 



$036,983 82 



Expenditures. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$274,004 24 
14,018 41 



$259,445 83 
50,120 50 
120,500 52 
43,542 99 
19,237 70 
32,690 43 



$531,537 97 



Fire risks outstanding- Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

. $64,303,470 00 $922,235 58 
. 48,413,702 00 627,769 53 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$112,717,172 00 fl,550,005 11 
. 43,248,786 00 597,430 55 



,468,386 00 $952,574 56 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.), 
Company's stock owned by directors, . 



17,190,816 00 

3,451,025 00 

250,392 00 

200,000 00 

50,000 00 

91,520 00 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



MUTUAL FIRE INSURANCE COMPANY," NEW YORK. 

[Incorporated Feb. 1, 1869. Commenced business June 19, 1882.] 
Paid-up Capital, $257,619.23. 

P. B. Armstrong, President. J. C. IIatie, Secretary. 



Detailed Statement of Stocks 



United States government bonds, 

District of Columbia bonds, 

Union Elevated Railroad bonds, 

Metropolitan Elevated Railroad bonds, . 

Albany & Susquehanna R.R. bonds, . 

Chicago, Milwaukee & St. Paul R.R. bonds, 

New York Elevated Railroad bonds, 

Rome, Watertown & Ogdensburg R.R. bonds 

Pennsylvania Railroad bonds, . 

St. Paul, Minn. & Manitoba Railroad bonds, 

Chicago, R. I. & Pacific Railroad bonds, . 

Delaware and Hudson Canal Co. bonds, . 

Chicago & Northwestern Railroad bonds, 

554 shares Mechanics' National Bank, 

220 

100 

45 

67 
200 

15 



Mercantile National Bank, 
Fire Association of New York, 
Columbia Bank, 

Import, and Traders 1 Nat'l Bank, 
National Citizens 1 Bank, 
State Trust Company, 



Fire Association scrip, 



Summary of Assets Dec 

Stocks and bonds, as per schedule, , . 
Cash in the office of the company, , , 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Unpaid dividends, 

Gross assets, ..... 
Deduct special deposits in other Slates, . 



and Bonds. 

Par Value. 

$200,000 00 

368,000 00 

50,000 00 

4,000 00 

40,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

35,000 00 

16,000 00 

13,850 00 

22,000 00 

10,000 00 

4,500 00 ' 

6,700 00 

5,000 00 

1,500 00 

679 00 



Market Value. 

$246,600 00 

452,640 00 

53,000 00 

4,560 00 

46,600 00 

28,000 00 

28,625 00 

25,875 00 

26,500 00 

25,000 00 

31,312 50 

49,350 00 

16,960 00 

29,777 50 

49,500 00 

11,000 00 

13,725 00 

38,860 00 

9,000 00 

2,775 00 

339 50 



Balance, 



$927,229 00 $1,189,999 50 

31, 1890. 

$1,189,999 50 

1,468 90 

139,593 09 

222,577 79 

7,476 85 

$1,561,116 13 

48,600 00 



,512,516 13 



Liabilities. 



LOSS 68 claimed and reported, . 

Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 



$91,614 00 
84,110 00 

$175,724 00 
80,000 00 

$145,724 00 



18D0.] 



INS. COS. OF OTHER STATKS. 



315 



Unearned premiums on outstanding risks, . $490,666 10 

Unpaid scrip ordered to be redeemed, . . 7,476 85 

Due for re-insurance, ..... 8,728 31 

dross liabilities, except capital and scrip, 

Surplus as regards policy-holders, . 

Paid-up capital, $257,619 23 

Scrip outstanding, not ordered to be redeemed, 441,165 00 

Surplus over capital and scrip, 



$652,595 26 
$859,920 87 

698,784 23 
$161,136 64 



),081 29 
1,530,484 92 



Income. 
Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, |1,619,566 21 

Premiums now in course of collection, . . 222,577 79 

Entire premiums collected $1,396,988 42 

Less re-insurance and return premiums, . . 452,078 30 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Gross cash income, 



$944,910 12 
50,212 90 



$995,123 02 



Expenditures. 

Cash paid for fire losses, $669,436 95 

Deduct salvage and re-insurance, . . . 69,797 02 

Net cash paid for tire losses, 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, 

Cash paid for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$599,639 93 
26,006 11 
26,466 42 
100,065 88 
13,162 19 
82,415 86 

$847,756 39 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$70,728,357 00 $874,728 41 
135,765,962 00 1,530,484 92 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, ■ . 



$206,494,319 00 $2,405,213 33 
.106,343,524 00 1,332,760 92 



$100,150,795 00 $1,072,452 41 
. 7,897,313 00 98,133 58 



Net amount in force, . 



.$92,253,482 00 $974,318 83 



316 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of eompaivy, . 

Fire losses incurred during the year, . 

Casta dividends declared from organization of company, 

Dividends declared during the year, .... 

Company's stock owned by directors, . 



$4,808,135 00 

2,353,120 00 

586,289 00 

526,242 00 

52,472 00 

112,287 00 



"NATIONAL FIRE INSURANCE COMPANY OF HARTFORD," 

HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced busiuess Dec. 1, 1871.] 
Paid-up Capital, $1,000,000. 

James Nichols, President. E. G. Richards, Secretary. 



Detailed Statement of Stocks and Bonds. 



Inked States bonds, 

Hartford city bonds, ..... 
New Britain city bonds, .... 
Cleveland city bonds, .... 

Detroit city bonds, 

Lincoln city bonds, ..... 
Meriden town bonds, .... 

Helena city bonds, 

Richmond city bonds, .... 
Georgia State bonds, .... 

West Middle school district (Hartford) bonds 
Danbury & Norwalk Railroad bonds, 
Harlem River & I'ortchester Railroad bonds, 
Erie Railway bonds, ..... 
Sandusky, Mansfield & Newark R.R. bonds, 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Knowillc & Ohio Railroad bonds, . 
Cleveland, Columbus, ('in. A: Lnd. R.R. bonds 
Chicago & Western Indiana Railroad bonds, 
Chicago & North Western Railroad bonds, 
Chicago, Milwaukee & St. Paul 11.11. bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Louisville, New Albany & (hie 11. R. bonds, 

Louisville & Nashville Railroad bonds, . 
East Trim., Virginia & Georgia R.R. bonds, 



Tar Value. 

$50,000 00 
35,000 00 
6,000 00 
10,000 00 
10,000 00 
12,000 00 
10,000 00 
20,000 00 
44,900 00 
25,000 00 
28,000 00 
10,000 00 
25,000 00 
20,000 00 
20,000 00 
15,000 <»n 
20,000 00 
35,000 00 
29,000 00 
20,000 00 
60,000 00 
11,100 00 
10,000 no 
10,000 00 
: !(),000 00 



Market Value. 

$61,500 00 
38,100 00 
7,080 00 
11,000 00 
12,800 00 
12,000 00 
10,400 00 
20,800 00 
52,000 00 
2!>,810 00 
28,000 00 
10,600 00 
32,500 00 
27,000 00 
24,200 00 
18,300 00 
21,000 00 
44,800 00 
38,060 00 
28,000 00 
68,000 00 
11,544 00 
11,000 00 
11,700 00 
30,300 00 



1890.] 



IXS. COS. OF OTHER STATES. 



317 



Hannibal & St. Joseph Railroad bonds, . 
Nodaway Valley Railroad bonds, 
Atchison, Topeka ^V Santa Fe R.R. bonds, 
Fremont, Elkhorn & Mo Valley 11. R. bonds, 
St Paul, Minnesota & Manitoba R.R. bonds, 
St. Paid & Northern Pacific Railroad bonds, 
Northern Pacific Railroad bonds, 
Union Pacific Railroad bonds, . 
Oregon Railway & Navigation ( lompany bonds 
Columbus & Toledo ft.R. bonds, 
Memphis *.v. Charleston Railroad bonds, . 
Norfolk & Western Railroad bonds, 
Hartford & Connecticut Western MM. bonds, 
480 shares New York, X. II. & Hartford R.R 
200 " Xew York & Harlem Railroad, 
500 " X. Y Cent & Hudson River R.R., 
742 " Pennsylvania Railroad, . 
200 " Pitts., Fort Wayne & Chic. R.R., 
200 " Cleveland & Pittsburg Railroad, 
300 " Belt Railroad, Indianapolis, . 
167 " Illinois Central Railroad, 
110 " Chic , Burlington & Quincy R R., 
330 " Chicago, R. Island & Pacific R.R., 
100 " Peoria & Bureau Valley Railroad, 
509 " Hartford National Bank, 
450 " Phoenix National Bank, . 
250 " .Etna National Bank, 
112 " Charter Oak National Bank, . 
100 " Farmers 1 and Mechanics 1 NatUB'k 
40 " City National Bank, 
50 " Mercantile National Bank, 
300 " National Exchange Bank, 
50 " First National Bank, Meriden, 
50 " Second National Bank, New Haven, 
100 " Thames National Bank, Norwich, . 
100 " Metropolitan National Bank, N. Y., 
50 " Central National Bank, New York, 
75 " Nat'l Bank of the Republic, Boston, 
70 " Boston National Bank, Boston, 
70 " St. Paul National Bank, St. Paul, . 
20 " Nat'l Bank of Commerce, K. City, . 
400 " Willimantic Linen Company, . 



Tar Value. 

$20,000 00 

8,000 00 

14,000 00 

5,000 00 

10,000 00 

25,000 00 

64,000 00 

20,000 00 

20,000 00 

22,000 00 

20,000 00 

22,000 00 

10,000 00 

48,000 00 

10,000 I 

50,000 00 

:;7,100 00 

20,000 00 

10,000 00 

15,000 00 

16,700 00 

11,000 00 

33,000 00 

10,000 00 

50,900 00 

45,000 00 

25,000 00 

11,200 00 

10,000 00 

4,000 00 

5,000 00 

15,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

7,500 00 

7,000 00 

7,000 00 

2,000 00 

10,000 00 



Market Value. 

|23,000 00 

9,040 00 

10,000 00 

5,750 00 

11,400 00 

30,250 00 

69,690 00 

22,800 00 

22,000 00 

24,720 00 

24,000 00 

21,120 00 

10,000 00 

120,000 00 

25,500 00 

50,000 00 

37,100 00 

30,000 00 

15,200 00 

12,500 00 

15,862 00 

9,900 00 

23,100 00 

16,500 00 

77,368 00 

57,150 00 

27,500 00 

11,760 00 

10,700 00 

4,080 00 

4,250 00 

18,900 00 

5,600 00 

6,850 00 

14,000 00 

500 00 

7,150 00 

12,000 00 

8,400 00 

8,190 00 

2,700 00 

14,400 00 



Securities held as collateral for cash loans 
6 shares Travelers 1 Insurance Co., . 



$1,321,400 00 $1,581,424 00 



Market Value. Loaned Thereon. 

$1,680 00 $450 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Simmaky of Assets Dec 

Cash value of unencumbered real estate,. 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Si«>rks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

( ash in the office of the company, . 

( Sash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Cross assets, 

Deduct special deposits in other States, . 



Balance, $2,538,403 19 



31, 1890. 

$75,335 76 

610,755 52 

10,164 94 

1,581,424 00 

450 00 

621 00 

166,679 57 

3,148 45 

171,633 95 



$2,620,213 19 
81,810 00 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$38,620 51 

45,007 20 

6,350 00 

883,165 47 
24,177 01 
10,045 81 

$1,007,366 00 
12,109 61 



995,256 39 

$1,543,146 80 
1,000,000 00 

$543,146 80 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, . . 

Less re-insurance and return premiums, . 

Net cash lire premiums received, 

Iiitcre-t received on mortgages, 

Interest and dividends received from all other 

[ncome from rents, 



Cross cash income, 



$137,285 94 
1,406,963 88 

$1,544,249 82 
171,633 95 

$1,372,615 87 

194,138 56 



sources, . 



$1,178,477 31 

36,597 98 

78,255 66 

2,954 51 

$ 1,296,285 46 



* Value of landi mortgaged, . 
Value <>f building! thereon, . 
Amount of Insurance held as collateral, 



$1,015,350 00 
839,050 00 
520,275 00 



1890.] 



INS. COS. OF OTHER STATES. 



319 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 
Net cash paid for fire losses, . . . . — 
( lash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$634,507 00 
01,990 15 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$125,686,496 00 
108,694,191 00 

1234,380,687 00 

. 94,403,592 00 

|139,977,095 00 

. 8,250,154 00 



$572,516 85 

100,000 00 

203,495 67 

103,796 03 

30,302 55 

86,258 01 

$1,096,369 11 



Premiums. 

$1,554,325 89 
1,406,963 88 

$2,961,289 77 
1,150,365 28 

$1,810,924 49 
108,606 77 



$131,726,941 00 $1,702,317 72 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . . , 



$9,552,053 00 

4,863,555 00 

587,290 00 

1,577,000 00 

100,000 00 

93,400 00 



"NATIONAL FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated, 1838. Commenced business April 9, 1838.] 
Paid-up Capital, $200,000. 

Henry T. Drowne, President. J. H. Kattenstroth, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, ...... $80,000 00 

130 shares National Bank of Commerce, . . 13,000 00 

100 " American Exchange Nat'l Bank, . 10,000 00 

150 " Manhattan Company Bank, . . % 7,500 00 

Chicago, Rock Island & Pacific R.R. bonds, . 8,000 00 

Chicago & Northwestern Railroad bonds, . 8,000 00 

Erie Railroad bonds, 10,000 00 

New York city water bonds, .... 116,50000 



Market Value. 

$95,500 00 
25,350 00 
15,250 00 
13,500 00 
10,000 00 
10,960 00 
13,300 00 

120,577 50 



$253,000 00 $364,437 50 



320 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities hold as collateral for cash loans: — 

Market Value. Loaned Thereon. 

North Pacific Railroad bonds, .... $11,30000 $10,00000 



Si BfMARY OF ASSETS DEC. 31, 1890. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
(ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
(Jross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rents, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$10,438 98 

104 38 

304,437 50 

10,000 00 

2,048 06 

25,518 93 

953 75 

36,485 54 



$15,116 83 
4,458 00 
1,500 00 

120,380 63 

629 00 

5,472 82 



$389,987 14 



147,557 28 

$242,429 86 
200,000 00 

$42,429 86 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $29,769 49 

Same not collected, 3,235 00 

Net collected, $26,534 49 

Premiums on risks written or renewed, . . 291,096 94 

Total, $317,631 43 

Premiums now in course of collection, . . 36,485 54 

Entire premiums collected, . ' . . . $281,145 89 

Less re-insurance and return premiums, . . 58,249 35 

Net cash fire premiums received, . . . 

Interest received on mortgages, 



$222,896 54 
776 32 
14,004 33 



Interest and dividends received from all other sources, . 

Gross cash income, $237,677 19 



* Total value of property mortgaged, $31,700 00 

Amount of Insurance held as collateral 16,300 oo 



1890.] 



INS. COS. OF OTHER STATES. 



321 



Expenditure 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, . 

Gross cash expenditures, .... 



$153,347 67 
2,790 98 



$150,556 09 

55,829 34 

13,856 08 

3,483 76 

11,478 10 

$235,203 97 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$25,314,028 00 $240,133 83 
. 27,049,551 00 291,096 94 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



.$52,363,579 00 $531,230 77 
. 28,420,115 00 284^04 91 



. $23,943,464 00 $246,425 86 
649,573 00 5,664 60 



$23,293,891 00 $240,761 26 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . 



$5,273,973 00 

2,869,611 00 

126,600 00 

1,088,056 00 

37,487 00 



"NEWARK FIRE INSURANCE COMPANY, 1, NEWARK, N. J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 
Paid-up Capital, $250,000. 

John J. Henry, President. Oscar O. Brewer, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, f 75,000 00 

Orange & Newark Horse Car Railroad bonds, 25,000 00 

Essex Passenger Railroad stock, . . . 5,000 00 

Morris & Essex Railroad stock, . . . 20,000 00 

National State Bank stock, .... 15,900 00 

Newark City National Bank stock, . . . 13,250 00 

National Newark Banking stock. . . . 7,700 00 

West Shore Railroad bonds, .... 25,000 00 

East Orange Improvement bonds, . . . 3,203 31 



Market Value. 

$91,500 00 

28,750 00 

5,750 00 

29,200 00 

23,850 00 

19,875 00 

11,550 00 

25,000 00 

3,203 31 



$190,053 31 $238,678 31 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for casli loans: — 

Market Value. Loaned Thereon. 

Newark Lime and Cement Company stock, . $4,000 00 $8,000 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 

Loans oil mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, . 

(ash in the office of the company, . 

( lash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Rents due and accrued, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, .... 

disputed or resisted, .... 

Total amount of losses, 

Less re-insurance, 

Net amount of unpaid losses, .... 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 

State and local taxes, 

Commissions and brokerage, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, 



Surplus over capital, . 



Income. 



Fire premiums outstanding Dec. 31, 1889, 
Same not collected, ,."... 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net casli (ire premiums received, 



31, 1890. 

$50,000 00 

365,867 50 

5,737 64 

238,678 31 

3,000 00 

3,035 06 

28,752 19 

2,353 75 

19,663 90 

607 90 

440 00 



$2,741 26 
5,526 67 
3,032 04 



$11,299 97 
1,383 87 

$9,916 10 

150,082 01 

6,408 85 

546 00 

4,921 60 



$17,975 43 
197 05 

f 17,778 88 
247,514 39 



$265,292 77 
20,271 80 

J 2 15,020 97 
88,789 47 



18,136 25 



171,874 56 

$546,261 69 
250,000 00 

$296,261 69 



$206,281 50 



* Value of land* mortgaged $387,584 00 

Value of buUdlngi thereon 569,216 00 

Amount of Insurance held as collateral, 478,900 00 



1890.] 



IN-. COS. OF OTHER STATES. 



323 



[nterest received on mortg ges, . . . 

Interest and dividends received from all other sources, 
[ncome from rents, 

Gross casta income, 



2,022 64 

15 00 

- - ! 

1236,757 64 



Expenditures. 

Casta paid for fire losses, . 

Deduct salvage and re-insurance. 

Net cash paid for fire losses, 

I sta dividends paid,. 

Casta paid for commissions and brokerage, 

for salaries of officers and emploj 

for State and local tax . 

for incidental- 

for repairs of real estate, 

Gross casta expenditures, .... 



$146305 21 
10,712 78 



2 43 

25,808 99 

45,314 97 

17,461 51 

9^77 04 

13,064 69 

741 77 

1247,356 40 



Fire risks outstanding Dec. 81, 1889, 
Fire ri-ks written during 1890, 



Risks and Premiums. 

Premium-. 

$31,114,423 00 $288.4-:. 4:; 
28^205,704 - 247,514 39 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insnred. 

Net amount in force. . 



*59,32< "'.127 00 $535,999 82 

27.' I94/I41 00 1,180 54 



$$2,226,086 00 $299,81 
1,510,909 00 13,471 74 



.|30,715,117 00 $2*6,347 54 



Miscellaneous. 

Premiums received from organization of company. 

is paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$3,919,428 00 

1.739,257 00 

108,465 00 

628,280 00 

25,000 00 
32,88o 00 



324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"NEW HAMPSHIRE FIRE INSURANCE COMPANY,' 1 
MANCHESTER, X. II. 

[Incorporated 1869. Commenced business April, 1870.] 
Paid-up Capital, $600,000. 

James A. Weston, President. John C. French, Secretary. 

Detailed Statement of Stocks and Bonds. 

I'ar Value. Market Value. 

United States bonds, $125,000 00 $151,875 00 

City of Manchester, N. H , bonds, ... 700 00 700 00 

City of Chicago, 111., bonds, .... 10,00000 11,00000 

City of Marietta, 0., bonds, .... 10,00000 11,00000 

City of Concord, N. H., bonds, .... 1,000 00 1,200 00 

City of Topeka, Kan, bonds, .... 10,00000 10,50000 

City of Omaha, Neb., bonds, .... 10,000 00 10,500 00 

City of Moorhead, Minn., bonds, . . . 6,000 00 6,000 00 

City of Lincoln, Neb., bonds, .... 36,00000 37,86000 

Maine Central Railroad bonds, . . . 10,000 00 12,000 00 

Burlington & Missouri River Railroad bonds, . 10,000 00 11,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 29,400 00 31,188 00 

Jackson, Lansing & Saginaw Railroad bonds, . 10,000 00 10,500 00 

New York & New England Railroad bonds, . 20,000 00 23,200 00 

Union Pacific Railroad bonds, .... 35,000 00 36,000 00 

Oregon Short Line Railroad bonds, . . . 10,000 00 9,800 00 

Boston, Concord & Montreal Railroad bonds, . 62,000 00 65,100 00 

Hillsborough County, N. H , bonds, . . . 5,000 CO 5,200 00 

Chicago & West Michigan Railroad bonds, . 25,000 00 22,500 00 

Topeka, Kan., Water Supply Co. bonds, . . 20,000 00 21,000 00 

Minneapolis Gas Light Company bonds, . . 20,000 00 21,000 00 

( liicago, Burlington & Northern R.R. bonds, . 5,000 00 4,750 00 

New Hampshire Trust Company bonds, . . 30,000 00 30,000 00 

Central Loan and Land Company bonds, . 20,000 00 20,000 00 

Johnson Loan and Trust Company bonds, . 10,000 00 10,000 00 

Nashua Card and Glazed Paper Co. bonds, . 10,000 00 10,200 00 

National Loan and Trust Company bonds, . 10,000 00 10,000 00 

Grand Forks Gas and Electric Co. bonds, . 10,000 00 10,000 00 

Sioux City, la , sewerage bonds, . . . 2,161 96 2,161 96 

Swift & Co., Chicago, bonds, .... 25,00000 25,00000 

Suncook Valley Railroad stock, . . . 4,000 00 5,000 00 

Merchants 1 VI* Bank, Manchester, N. II., stock, 10,000 00 12,500 00 

New York Centra] & Hudson River R.R. stock, 10,000 00 10,000 00 

Norwich & Worcester Railroad stock, . . 8,100 00 5,425 00 

Pemigewassel Vallej Railroad Btock, . . 26,000 00 31,200 00 

Chicago, Burlington & Quincy R.R. stock, . 44,000 00 39,600 00 

Illinois Central Railroad stock, . . . 30,000 00 29,400 00 

Chicago, Rock Island & Pacific R.R. stock, . 10,000 00 7,000 00 

Amoskeag Man. Co., Manchester, N. II , stock, 5,000 00 10,000 00 

Pemigewassel N 1 l'.k, Plymouth, N. H., stock, 6,000 00 7,200 00 



1890.] 



INS. COS. OF OTHER STATES. 



325 



Lake Shore and Michigan Southern R.R. stock, 
First X : 1 1 " 1 Bank, Peterborough, X. II , stock, . 
Merchants 1 Nat'l Bank, Kansas ( Jity, Mo., -lock, 
Manchester Mills, Manchester, X. II., stock, 
Quincy bridge stock, .... 
Chicago & Northwestern R.R. stock, 
Boston A: Albany K R. stock, . 
Boston & Albany B K. rights, . 



Securities held as collateral for cash loans: — 

8 shares Manchester \' Lawrence R.R,, 

2 " Moline Plow Co., .... 
24 " X. V. Central & Hudson Riyer R.R., 

3 " Chicago, Burlington & Quincy R.R , 
si; •• ( Ihicago, Burlington & Quincy R R., 
36 - Pullman Palace Car Co,. 

100 " Chicago, Burlington & Quincy R.R , 
Chicago, Burlington & Quincy H.K bonds, 

Mortgage notes, 

New England Loan and Trust Co bonds, 
Mortgage notes, . . 

50 shares Village Loan & Bld'g Asso A hit-ago, 
St. Paul, Minn., city bonds, .... 
Maine Central R.R bonds, .... 



Tar ValttC. 

$20,000 00 

5,000 00 

5,000 00 

5,000 00 

1,000 00 

20,000 00 

1,500 00 

5,048 12 

$797,905 08 

Market Value. 

$ 1,760 00 
1,800 00 

2,370 00 

270 00 

7,760 00 

6,6G0 00 

9,000 00 

450 00 

24,000 00 

12,000 00 

40,000 00 

1,300 00 
10,000 00 

2,500 00 



Market Value. 

$22,000 00 

7,000 00 

5,150 00 

7,500 00 

1,750 00 

21,000 00 

2,850 00 

4,560 00 

$860,369 96 

Loaned Thereon. 

$2,700 00 

2,050 00 

12,000 00 

7,200 00 

275 00 

30,000 00 

33,000 00 

1,000 00 

10,000 00 



Summary of Assets Dec 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . . . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding lisks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$119,876 00 

31, 1890. 

$509,146 86 
14,914 00 
860,369 96 
98,225 00 
22,027 20 
81,494 86 
5,628 00 
67,351 91 



98,225 00 



$1,659,157 79 



$34,651 56 
40,000 00 
10,000 00 

600,897 16 
13,470 38 



699,019 10 

$960,138 69 
600,000 00 

$360,138 69 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Fire premiums outstanding Dec. 81, 1889, . $83,292 12 
Premiums on risks written or renewed, . . 923,150 58 

Total, fl,006,442 70 

Premiums now in course of collection, . . 67,35191 

Entire premiums collected, .... $939,090 79 
Less re-insurance and return premiums, . . 175,513 44 

Net cash fire premiums received, . . . $763,577 35 

Interest received on mortgages, 32,034 81 

Interest and dividends received from all other sources, . . 45,278 42 

Gross cash income, $840,890 58 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$421,970 14 
48,000 00 
165,057 59 
40,936 06 
22,395 02 
37,378 45 

$735,737 26 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, . 



Risks and Premiums. 

Premiums. 

$80,951,596 00 $1,015,605 76 
81,361,523 00 923,150 58 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$162,313,119 00 $1,938,756 34 
69,361,718 00 766,240 39 



$92,951,401 00 $1,172,515 95 
4,936,411 00 53,429 84 



$88,014,990 00 $1,119,086 11 



Miscellaneous. 

Premiums received from organization of company, 

es paid from organization of company, . 
Fire losses incurred during the year, ' . 
Cash dividends declared from organization of company, 
Dividends declared during the year (<S per cent.), . 
Company's stock owned by directors, . 



$7,682,280 00 

8,884,096 00 

899,586 00 

540,000 00 

48,000 00 

184,900 00. 



1890.] INS. COS. OF OTHER STATES. 327 



"NEW YORK BOWERY FIRE [NSURANCE COMPANY; 1 
NEW YORK, N. Y. 

[Incorporated April, l *:;:;. Commenced business September, 1833.] 
Paid-up Capital, (300,000. 

Henri Silberhorn, President. J. Frank Patterson, Secretary. 

Detailed Statement <>f Sto< ks and Bonds. 

Par Value. Markel Value. 

Northern Pacific Railroad bonds, . . 824,000 00 $27,345 00 

Broadway & Seventh Ape. Railroad bonds, . 21,000 00 22,155 00 

Central Pacific Railroad bonds, . . . 25,000 00 25,875 00 

Rome,Watertown &OgdensburgR.R bonds,. 5,000 00 5,175 00 

Midland Railroad of New Jersey bonds, . 12,000 00 13,500 00 

Denver & Rio Grande Railroad bonds, . . 10,000 00 8,100 00 

X. Y., Ontario & Western Railroad bonds, . 1,000 00 1,110 00 

Chesapeake & Ohio Railroad bonds, . . 10,000 00 11,500 00 

Western X. Y. & Pennsylvania II R. bonds, . 1<),000 00 9,950 00 

Long Island Railroad bonds, .... 1:5,000 00 14,560 00 

New York city bonds, 200,000 00 200,000 00 

200 shares Rome, Watertown & Ogdens R.R., 20,000 no 20,200 00 

100 « N.Y., Lackawanna & Western RR., 30,000 00 34,650 00 

220 " Chicago & R. I. Railroad, . . 22,000 00 15,565 00 

200 " Omaha Railroad, .... 20,00000 16,50000 

600 " N. Y. Central & Hudson River R.R., 60,000 00 60,900 00 

m " Long Island Railroad, . . . 20,000 00 17,200 00 

100 " Chicago & North Western Railroad, 10,000 00 10,525 00 

200 " Western Union Telegraph Co., . 20,000 00 15,250 00 



$533,000 00 $530,060 00 



Securities held as collateral for cash loans : — 



Market Value. Loaned Thereon. 

Chesapeake & Ohio Railroad bonds, . . $1,150 00 $700 00 

Union Pacific Railroad bonds, .... 1,080 00 1,000 00 

50 shares Oriental Bank, 2,500 00 2,000 00 



$4,730 00 $3,700 00 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $1,000 00 

Loans on mortgage of real estate (first liens*), 18,200 00 

Interest clue or accrued thereon, . . . 127 00 

Bonds, as per schedule, 530,060 00 

Loans on collateral security, as per schedule, . 3,700 00 

Cash in the office of the company, . . . 563 76 

Cash dejDOsited in bank, 13,150 24 

i 

* Value of lands mortgaged, $18,000 00 

Value of buildings thereon, 38,500 00 

Amount of insurance held as collateral, .... 24,500 00 



328 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



[nterest due and accrued 

Premiums in course of collection (gross), 

Notes i;ikci) for fire risks, .... 

Due for re-insurance, .... 

( iross assets, 



$3,186 08 
72,393 82 

8,982 99 
864 47 



$652,178 36 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$1.1,727 32 

31,445 09 

9,176 88 

$54,349 29 
12,207 02 

|42,142 27 

247,005 88 

6,199 75 

3,718 33 

17,902 89 



316,969 12 



$335,209 24 
300,000 00 



$35,209 24 



Income. 

Fire premiums outstanding Dec. 31, 1889, . $54,968 00 
Premiums on risks written or renewed, . . 505,737 31 

Total, $560,705 31 

Premiums now in course of collection, . . 81,376 81 

Entire premiums collected, .... $479,328 50 
Less re-insurance and return premiums, . . 92,949 02 

Net cash tire premiums received, . . . 

Interest and dividends received from all sources, . 

Gross cash income, 



$386,379 48 
23,597 41 

$409,976 89 



EXTENDITURES. 
Cash paid for lire losses, ..... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

( 'ash dividends paid, 

Cash paid for commissions and brokerage, 

lor salaries of officers and employees, 

for Stale and local taxes, 

lor incidentals, .... 

Gross cash expenditures, .... 



$308,565 40 
39,315 91 



$269,219 49 
18,000 00 
86,308 92 
31,025 60 
5,494 03 
32,022 51 

$442,100 55 



1890.] 



INS. COS. OF OTHEB STATES. 



329 



Fire risks outstanding Dec 31, 1889, 
Fire risks written daring 1890, 



Risks and Premiums. 

Premiums. 

.167,928,743 00 $533,681 77 
. 46,156,285 00 505,737 31 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



SI 14,085,028 00 11,039,419 08 
. $4,930,852 00 469,291 06 



.$ 69,164,176 00 |570,128 02 
. 11,066,401 00 76,116 26 



. $58,087,775 00 $494,011 76 



MlSCELLANl 01 8. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 

Cash dividends declared from organization of company 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, 



18,635,369 00 
4,275,599 00 

218,095 00 

2,891,500 00 

18,000 00 

45,700 00 



"NEW YORK FIRE INSURANCE COMPANY," NEW YORK. 

[Incorporated April 18, 1S32. Commenced business Dec. 22, 1832.] 
Paid-up Capital, $200,000. 

Daniel Underbill, President. Augustus Colson, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $ 80,000 00 $95,600 00 

Long Island city water bonds, .... 5,500 00 6,050 00 

New York, West Shore & Buffalo R.R bonds, 10,000 00 10,225 00 

Atchison, Topeka & Santa Fe Railroad bonds, 10,000 00 7,875 00 

Iowa Central Railroad bonds, .... 10,000 00 8,200 00 

150 shares N. Y., Lack. & West'n R.R., . . 15,000 00 17,100 00 

100 " Consolidated Gas Company, N. Y., 10,000 00 9,500 00 

113 " Peoples Rank, New York, . . 2,825 00 8,658 62 

69 " Tradesmen's Bank, New York, . 2,760 00 2,898 00 

47 " Mechanics 1 Bank, New York, . . 1,175 00 2,467 50 



$147,260 00 $168,574 12 



Securities held as collateral for cash loans 



Par Value. Loaned Thereon. 

12 shares Oxford Iron and Nail Company, . $1,200 00 $700 00 



330 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 

( lash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Kent- due and accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , . 
( 'onimissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



81, 1890. 

$106,800 00 

25,750 00 

648 75 

168,574 12 

700 00 

5,280 51 

2,498 70 

593 25 

17,321 80 

682 00 



$4,656 09 
5,524 00 
1,500 00 

|11,680 09 
660 00 

$11,020 09 

99,204 36 

100 00 

3,464 20 



$328,844 13 



113,788 65 

$215,055 48 
200,000 00 

$15,055 48 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, 


$18,679 78 
340 07 




Net collected, 

Premiums on risks written or renewed, . 


$18,339 71 
201,987 00 




Total, 

Premiums now in course of collection, 


$220,326 71 
17,321 80 


- 


Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash fire premiums received, 
[nteresl received pn mortgages, 

[uteres! and dividends received from all oilier 

[acome from rents, etc , . . 


$203,004 91 
33,588 09 


$169,116 82 
1,852 58 
8,129 73 
2,833 66 


sources, . 




$182,532 79 


Amount of insurance held a>- collateral, . 


. $24,500 00 
. 40,000 00 
. 34,100 00 



1890.] 



ENS. COS. OF OTHER STATES. 



331 



EXPENDITURES. 

Cash paid for fire losses, $131,546 66 

Deduct salvage and re-insurance, . . . 6,504 11 

Net cash paid for fire losses, 

( lash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during: 1890, 

Total 

Deduct risks expired and terminated. 

In force at end of \ ear, 
Deduct amount re-insured, 

Net amount in force, . 



$20,564,730 00 

21,366,942 00 



. $41,9:31,672 00 

. 16,768,730 00 

. ?2:>,162,942 00 

. 1,042,695 00 



$125,042 55 

6,000 00 

41,149 42 

20,624 94 

4,173 14 

7,201 56 

$204,191 61 

Premiums. 

$167,650 00 
201,987 00 



#369,637 00 
164,483 00 

$205,154 00 
10,475 00 



$21,120,247 00 $194,679 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year. . 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, . 



$5,041,065 00 

2,221,323 00 

104,092 00 

1,424,000 00 

6,000 00 

37,000 00 



"NIAGARA FIRE INSURANCE COMPANY," NEW YORK, N Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 
Paid-up Capital, $500,000. 

Peter Notman, President. George C. Howe, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $595,000 00 $720,050 00 

Jersey City bonds, 50,000 00 55,290 00 

New York, Chicago & St. Louis R R. bonds, . 56,000 00 50,960 00 

Albany & Susquehanna Railroad bonds, . . 30,000 00 39,000 00 

Lake Erie & Western Railroad bonds, . . 50,000 00 53,250 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 56,500 00 

Fremont, Elkhorn & Mo. Valley R.R bonds, . 40,000 00 48,800 00 

James River Railroad bonds, .... 25,000 00 25,750 00 

New York Elevated Railroad bonds, . . 20,000 00 23,000 00 

Kings County Elevated Railroad bonds, . . 20,000 00 20,000 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Morris vV Esses Railroad bond-. 
Chateaugay Iron and Ore Company bonds, 
St. Paul (las Light Company bonds, 

Town »>!' Lake, III , (las Company bonds, 
1000 -hare- Long [sland Railroad, . 
100 " National Railroad of Chicago, 
351 " Am. Exchange National Bank, 
100 " Western National Hank, 

Kansas ( 'ity bonds, 

110 shares Delaware and Hudson Canal Co., 
200 -liaits American Loan and Trust Co., 
Equit, Gas Light Company of Chicago bonds, 



Par Value. 

$21,000 00 
25,000 00 
15,000 00 

20,000 00 
50,000 00 
li>,000 00 
35,100 00 
10,000 00 
10,000 00 
11,000 00 
20,000 00 
25,000 00 



Market Value. 

$27,930 00 
25,000 00 
16,200 00 
20,000 00 
42,500 00 
11,000 00 
52,650 00 
9,800 00 
10,000 00 
14,410 00 
20,000 00 
25,000 00 



$1,188,100 00 $1,367,690 00 



Securities held as collateral for cash loans : — 

100 shares Pullman Palace Car Company, 

2."* shares Chicago, Burl. & Quincy Railroad, 
Toledo & Ohio Central Railroad bonds, . 

City of Cincinnati bonds, 

Atchison, TojDeka & Santa Fe Railroad bonds, . 

Northern Pacific Railroad bonds, 

Col. & Indianapolis Central R.R. bonds, . 

Toledo, Ann Arbor & No. Mich. R.R. bonds, . 

Chicago & Northwestern Railroad bonds, 

Morgans, Louisiana & Texas R.R. bonds, 

Toledo, Ann Arbor & No. Mich. R.R. bonds, . 

100 shares Chicago, Mil & St. Paul R.R., 

300 " Hocking Coal & Iron Co , 

300 " Toledo, Ann Arbor & No.Mich. R.R., 

City of Elizabeth, N. J., bonds, 

25 shares Amer. Trust & Sav. IVk of Chicago, 

Indianapolis Gas Company's bonds and stock, 

Alliance Insurance Company, .... 

Eliot Insurance Company of Boston, 



Market Value. Loaned Thereon. 

$ 18,500 00^ 

2,200 00 | 

1,040 00 I 

6,400 00 

1,600 00 

2,460 00 j 
12,000 00 J 
66,300 00 
10,300 00 ^ 
12,000 00 

2,550 00 

5,000 00 

5,100 00 

4,500 00 J 

1,740 00 

3,500 00 

5,250 00 

1,000 00 
400 00 



$35,000 00 



38,600 00 



} 27,362 50 



1,500 00 
2,750 00 

5,700 00 



$161,840 00 $110,912 50 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $577,566 63 

Loans on mortgage of real estate (first liens*), 46,050 00 

[nteresl due or accrued thereon, . . . 1,356 50 

Stock- and bonds, as per schedule, . . . 1,367,690 00 

Loans on collateral security, as per schedule, . 110,912 50 

Cash in the office of the company, . . . 50,508 71 

Cash deposited in bank, 165,025 86 

* Value of land- mortgaged $:*6,750 00 

Value of bnlldingi thereon, 70,750 oo 

Amount of insurance held a* oollateral, .... 70,750 oo 



1890.] 



INS. COS. OF OTHER STATES. 



333 



Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Re-insurance, 

GrOSS assets,* ..... 
Deduct special deposits in other States, . 



Balance. 



$9,740 47 

276,244 05 

7,480 98 

9,955 13 



$2,622,480 85 
60,000 00 



$2,562,480 85 



Liabilities. 

Losses adjusted and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 

Commissions and brokerage, . 
Reserve for contingent expenses, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$179,762 70 
26,483 06 

1,420,778 55 

205 00 

39,740 11 

20,000 00 

$1,686,969 42 
28,032 63 



1,658,936 79 

$903,544 06 
500,000 00 

$403,544 06 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . . . 

Gross cash income, .... 



$252,998 18 
2,408,381 09 

$2,661,379 27 
274,699 63 

$2,386,679 64 
546,893 57 

$912 74 
29,603 43 



,516 17 
1,544 42 



$1,839,786 07 



$28,971 75 
11,125 75 



sources, 



17,846 00 

2,713 00 

74,759 04 

15,465 92 

$1,950,570 03 



* Including $250,000 special reserve fund held under New York law. 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, $1,183,195 55 

Deduct salvage and re-insurance, . . . 1. ".7,274 00 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $10,471 G4 
Deduct salvage and re-insurance, . . . 2,464 73 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 



$1,025,921 56 



8,000 91 

50,357 50 

324,508 78 

130,360 00 

40,096 47 

194,955 01 



Gross cash expenditures, $ 1,774,266 22 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of } T ear, 
Deduct amount re-insured, 

Net amount in force, . 

Marino risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

I n force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$333,153,225 00 
. 269,144,146 00 



$602,297,371 00 
. 248,803,550 00 



$353,493,821 00 
. 38,240,558 00 



Premiums. 

$2,870,442 82 
2,408,381 09 

$5,278,823 91 
2,224,225 25 

|3,054,598 66 
328,944 64 



115,253,203 00 $2,725,654 02 



|577,615 00 
887,506 00 

$1,465,181 00 
714,297 00 

$750,884 00 
266,027 00 



$16,925 87 
29,603 43 



$46,529 30 
22,917 33 

$23,611 97 
7,916 05 



1484,857 00 $15,695 92 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 

h dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$29,059,533 00 

14,969,622 00 

962,895 00 

9,167 00 

2,134,000 00 

50,000 00 

196,400 00 



1890.] 



INS. COS. OF OTHER STATES. 



335 



"THE NORTH RIVER INSURANCE COMPANY, 11 NEW YORK, N. V. 

[Incorporated Feb. 6, 1822. Commenced business Mar. G, 1822.] 
Paid-up Capital, $350,000. 

William E. Hutchlns, President. Frederick II. Crum, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

New York city bonds, $200,000 00 

District of Columbia bonds, .... 75,00000 

United Stales bonds, 10,000 00 



Market Value. 

$210,000 00 
92,250 00 
12,000 00 



Securities held as collateral i'<>r cash loans 

16 shares National Shoe & Leather Bank, 
15 ' 

22 ' 
180 ' 
76 ' 
10 



National Hank of the Republic, 
Tradesmen's National Bank, . 
Rutgers Fire Insurance Company. 
Merchants 1 Exchange Nat 1 ] Bank, 
German-American Bank, 



$285,000 00 $314,250 00 

Market Value. Loaned Thereon. 

$2,400 00 \ 
2,850 00 > $4,600 00 

924 00 ) 
5,625 00 4,000 00 
4,636 00 ) 

900 00 S 



Summary of Assets Dec 31, 1890. 

Loans on mortgage of real estate (first liens*), $134,750 00 

Interest due or accrued thereon, . . . 2,294 00 

Stocks and bonds, as per schedule, . . . 314,250 00 

Loans on collateral security, as per schedule, . 13,600 00 

Cash deposited in bank, 12,812 58 

Interest due and accrued, 1,726 66 

Premiums in course of collection (gross), . 22,425 68 
Premiums more than 3 months due, $338 95 

Gross assets, 



5,000 00 



$17,335 00 $13,600 00 



$501,858 92 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amoimt of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Gross liabilities, except capital, 



$9,160 05 

8,687 00 

124 42 

$17,971 47 
3,355 28 

$14,616 19 

87,450 42 

1,595 50 

4,485 14 



108,147 25 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$251,500 00 
165,300 00 
130,875 00 



336 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



$48,711 07 



Surplus as regards policy-holders, $393,711 G7 

Paid-up capital, 350,000 00 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $18,169 53 
Premiums on risks written or renewed, . . 175,980 07 

Total, $ 194,149 CO 

Premiums now in course of collection, . . 22,764 63 

Entire premiums collected, .... $171,384 97 
Less re-insurance and return premiums, . . 14,958 47 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 

Expenditures. 



$156,426 50 
5,301 50 
9,988 34 

$171,716 34 



Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

(iross cash expenditures, .... 

Risks and Premiums. 



,198 65 
3,811 27 



$85,387 38 
21,614 25 
33,002 68 
12,908 90 
1,749 64 
10,788 08 

$165,450 93 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deducl risks expired and terminated, 

In I orce at end of year, 
Deducl amount re-insured, 

Nel amount in force, . 



.$18,902,428 00 
. 20,247,478 00 



Premiums. 

$156,139 91 

175,980 07 

$332,119 98 

151,862 56 

$180,257 42 

5,356 59 

$20,690,381 00 $171,900 88 



.$39,149,906 00 
. 17,816,055 00 



$21,333,851 00 
643,470 00 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

(:i-li dividends declared from organization of company, 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, . 



$3,019,683 00 

1,422,795 00 

88,488 00 

2,464,000 oo 

21,000 00 

88,975 00 



1890.] 



INS. COS. OF OTHER STATES. 



337 



"NORTHWESTERN NATIONAL [NSURANCE COMPANY OF 
MILWAUKEE, WISCONSIN',- MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 
Paid-up Capital, $600,000. 

Alfred James, President. J. 1'. McGregor, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. 

$ 300,000 00 
165,000 00 
50,000 00 
50,000 00 
50,000 00 
30,000 00 
120,000 00 
67,000 00 



United States bonds, 

Chicago, Milwaukee & St Pan] U.K. bonds, . 
Milwaukee, Lake Shore *v Western R.R. bonds, 
Milwaukee & Northern Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
Waukesha sewerage bonds, . . . . 

Milwaukee city bonds, 

Milwaukee County bonds, . 



Market Value. 

$365,910 00 
204,000 00 
60,000 00 
53,500 00 
62,500 00 
31,800 00 
122,800 00 
68,550 00 



Summary of Assets Dec 
Loans on mortgage of real estate (first liens*), 
[nteresl due or accrued thereon, 
Stocks and bonds, as per schedule, 
Casta in the office of the company, 
( !ash deposited in bank, . 
Interest accrued, 

Premium^ in course of collection (gross), 
Notes taken for marine and inland risks, 

Miscellaneous, 

(.ross assets, 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
L^nearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$832,000 00 $969,060 00 

81, 1890. 

610 1,800 00 

3,813 82 

969,060 00 

5,673 13 

122,466 52 

3,266 67 

66,538 03 

6,799 00 

500 00 

$1,579,917 17 



$15,041 03 

17,445 00 

850 00 

$33,336 03 

1,562 50 

$31,773 53 

529,451 61 

15,832 77 

2,559 95 



579,617 86 

$1,000,299 31 
600,000 00 

$400,299 31 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$843,575 00 
539,500 00 
262,450 00 



338 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding .Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, .... 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

(ash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . 

Gross cash expenditures, . 



$44,075 88 
632,682 C7 

$676,758 55 
65,103 03 

$611,655 52 
64,017 76 

$6,625 66 
14,396 88 

$21,022 54 
8,234 00 

$12,788 54 
931 00 



sources, 



$267,649 05 
4,151 84 

$7,471 45 
598 54 



$547,637 76 



11,857 54 
22,662 52 
43,052 30 

$625,210 12 



$263,497 21 



6,872 91 

60,000 00 

95,579 89 

58,631 85 

15,872 06 

48,915 13 

$549,369 05 



Fire risks outstanding Dec. 31, 1889, 
Fire risks writ ten during 1890, 



Risks and Premiums. 

Premiums. 

$81,051,689 00 $982,438 00 

57,696,356 00 632,682 70 



Total, 

Deduct risks expired and terminated, 

In force, at end of vear, 
Deduct amount re-insured, 



$138,748,045 00 $1,615,120 70 
51,081,216 00 594,892 78 



$87,666,829 00 $1,020,227 92 
1,058,492 00 13,941 88 



N<t amount in force, 



$86,613,337 00 $1,006,286 04 



1890.] INS. COS. OF OTHER STATES. 339 

Premiums. 

Marine risks outstanding Dec. 31, 1889, . . $64,250 00 $7,448 68 
Marine risks written during 1890, . . . 151,887 00 14,396 88 



Total $216,137 00 $21,845 56 

Deduct risks expired and terminated, . . 70,249 00 9,367 20 

In force at end of year, $145,888 00 $12,478 31 

Ml-< i LLANEOUS. 
Premium received from organization of company. 
Losses paid From organization of company, . 

Fire losses incurred during the year 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization <>f company, 
Dividends declared during the year (10 percent.), . 
Company*- stock owned by directors 



$8,844,011 1 05 

4,717,844 00 

258,898 00 

9,008 00 

921,000 00 

60,000 00 

298,900 00 



"ORIKNT ENSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 
Paid-up Capital, $1,000,000. 

Charles B. Whiting, President. James U. Taintor, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

504 shares American Nat'l Bank, Hartford, . $25,200 00 $36,288 00 

122 " 2Etna National Bank, Hartford, . 12,200 00 13,664 00 

130 " Charter Oak Nat'l B'k, Hartford, . 13,000 00 14,170 00 

100 4k Farm. & Mech. Nat'l B'k,Hart'd, . 10,000 00 11,200 00 

152 " Mercantile Nat 1 ! Bank, Hartford, 15,200 00 13,680 00 

62 " Phoenix National Bank, Hartford, 6,200 00 8,184 00 

186 " Exchange Nat'l Bank, Hartford, . 9,300 00 13,020 00 

113 " City National Bank, Hartford, . 11,300 00 12,430 00 

71 " First National Bank, Hartford, . 7,100 00 7,810 00 

1000 " Hartford Nat'l Bank, Hartford, . 100,000 00 157,000 00 

100 " Conn. Trust & Safe Dep. Co., HTd, 10,000 00 15,500 00 

200 " Thames National Bank, Norwich, 20,000 00 29,200 00 

80 " First National Bank, Norwich, . 8,000 00 8,400 00 

6 " Rockville Nat'l Bank, Rockville, . 600 00 690 00 

75 " Metropolitan N'l Bank, New York, 7,500 00 675 00 

302 " Mechanics' Nat'l Bank, New York, 7,550 00 16,610 00 

50 " Holland Trust Co., New York, . 5,000 00 11,000 00 

50 " Nat'l German-Amer. B'k, St. Paul, 5,000 00 6,600 00 

400 " N. Y., N. H. & Hartford Railroad, 40,000 00 103,200 00 

130 " Naugatuck Railroad, . . . 13,000 00 33,540 00 

100 " Housatonic Railroad, . . . 10,000 00 5,600 00 

200 " N. 1^. Cent. & Hudson River R.R., 20,000 00 20,400 00 

50 " Union Pacific Railroad, . . . 5,000 00 2,200 00 

100 " Central Pacific Railroad, . . 10,000 00 3,000 00 

400 " Cleveland & Pittsburg Railroad, . 20,000 00 31,400 00 



:\M) 



FIRE, MAKIXE, AND FIRE-MARINE [Dec. 31, 



shares Chic, Burlington & Quincy U.K., 
Georgia state bonds, .... 
County of Coffey, Kan., bonds, 
County of Wapello, la., bonds, . 

County of Lyon, la , bonds, 

County of Dickinson, Kan , bonds, . 

County of Finney, Kan., bonds, 

County of Kidder, Dak., bonds, 

City of Wichita, Kan., bonds, . 

City of Washington, Ind., bonds, 

City of Indianapolis, Ind , bonds, 

City of Evansville, Ind., bonds. 

City of New Brunswick, X. J , bonds, 

City of Council Bluffs, la., bonds, . 

City of Richmond, Va., bonds, . 

City of Norfolk, Va., bonds, 

City of Sioux Falls, Dak., bonds, 

Town of Thoraaston, Conn , bonds, . 

Town of Pawtucket, R. L, bonds, 

Town of Merrill, Wis., bonds, . 

Medicine Lodge Township, Kan., bonds, . 

Bethany Township, Kan., bonds, 

Buckeye Township, Kan., bonds, 

Oswego Township, Kan., bonds, 

Precinct of Stanton, Neb., bonds, 

Precinct of Beaver, Neb., bonds, 

Vermont Valley Railroad bonds, 

Pittsburgh, Cleveland & Toledo R.R. bonds, 

Kansas Pacific Railroad bonds, 

Cleve., Col., Cin. & Indianapolis R.R. bonds, 

Morris & Essex Railroad bonds, 

Chicago, Milwaukee & St Paul Railroad bonds 

Dayton & Michigan Kail road bonds, 

Terre Haute & Logan sporl Railroad bonds, 

Chicago, Burlington <Sz Northern R.R bonds, 

Ohio & West Virginia Railroad bonds, 

Columbus & Toledo Railroad bonds, 

Cincinnati, Van Wert & Michigan R.R. bonds 

East Tenn., Virginia c'd G-eorgia K.K. bonds, 

Oxford & Clarksville Railroad bonds, 

Detroit, Lansing & Northern Railroad bonds, 

Louisville, ( lincinnati & Lexington K.K. bonds 

Ciarksville & North Carolina Railroad bonds, 

Indiana & Lake Michigan Railroad bonds, 

Atchison, Topeka & Santa Fe Railroad bonds, 

Chicago, Burlington &Quincy Railroad bonds, 

Norfolk & Western Railroad bonds, 

New York & New England Railroad bonds, . 

Valley Railroad bonds, 



l'ar Value. 

$20,000 00 
25,000 00 

10,000 00 

4,000 00 

1,000 00 

10,000 00 

10,000 00 

5,000 00 

4,00() 00 

5,000 00 

20,000 00 

15,000 00 

10,000 00 

5,000 00 

24,000 00 

20,000 00 

13,000 00 

15,000 00 

25,000 00 

2,500 00 

5,000 00 

4,000 00 

2,955 00 

5,000 00 

8,000 00 

5,000 00 

25,000 00 

10,000 00 

10,000 00 

35,000 00 

10,000 00 

20,000 00 

25,000 00 

10,000 00 

1,500 00 

3,000 00 

11,000 00 

10,000 00 

15,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 do 

20.000 00 

20,000 00 

l,loo oo 

lo.ooo 00 

10,ooo 00 

12,000 00 



Market Value. 

$18,000 00 

29,750 00 

11,200 00 

4,280 00 

1,000 00 

10,800 00 

11,000 00 

5,600 00 

4,200 00 

5,250 00 

22,600 00 

13,500 00 

10,700 00 

5,700 00 

33,600 00 

21,800 00 

14,300 00 

15,900 00 

30,000 00 

2,700 00 

5,500 00 

4,400 00 

3,398 25 

5,100 00 

8,800 00 

5,500 00 

28,750 00 

11,400 00 

11,050 00 

45,450 00 

13,800 00 

25,000 00 

27.250 00 

11,000 00 

1,500 00 

3,450 00 

12,870 00 

9,500 00 

15,300 00 

10,900 00 

10,600 00 

11,300 00 

10,900 00 

20,100 00 

1:5,100 00 

1,100 00 

10,000 00 

10,400 00 

12,480 00 



1890.] 



INS. COS. OF OTHER STATES. 



341 



Atlantic Dock Company bonds, 
Mason and Tazewell District, 111., bonds, 
Rutland and Grafton District, 111., bonds, 
First Baptist Church, Nashville, Tenn., bonds 
School District, Salamanca, X. V.. bonds, 
Kansas school bonds, .... 

Nebraska school bonds 

Dakota school bonds, .... 
Minnesota school bonds, .... 
Wyoming Territory school bonds, . 
I trade school bonds, .... 

Texas school bonds 

South Western Irrigation Company bonds, 
Arizona improvement Company bonds, ■ 



Far Value. 

- 00 00 

25,000 00 

8,000 00 

00 

.nun 00 

26,297 00 

32 00 

12, 00 

8,500 00 
3,000 "D 
8,000 00 
10,000 00 
5,000 00 
5,000 00 



Market Value. 

$9,900 00 

28,250 00 

8,400 00 

19,980 00 

8,560 00 

28,211 85 

21,974 20 

13,720 00 

9,180 00 

3,45d 00 

8,960 00 

10,400 00 

5,000 00 

5,000 00 



Securities held as collateral for cash loans:— 

2.". shares Natl Fire insurance Co., Hartford 

4 ■ 
2 

15 ' 

5 ' 
3 
5 

25 ' 
I 

6 ' 

7 
24 



11,129,484 00 $1,388,525 30 



/Ktna Fire Insurance Co., Hartford 
iEtna Fire Insurance Co., Hartford 
American National Bank, Hartford 
Charter Oak Nat'l Bank, Hartford 
National Bank, Hartford, 
irity Company, Hartford, . 
Hartford Trust ( lompany, Hartford 
Collins Company, Collinsville, 
American Screw Co., Prov., R. I., 
Conn (ien. Life Ins. Co.. Hartford 
Middlesex Co.NIB'k, Middletown 
Adam- Express Company, 



Market V;i 

,275 

5< N > 
975 
525 

300 

675 

3,125 

775 
1,410 
4.725 

735 

3,480 



loe. 

00 
00 
00] 

00 ! 



Loaned Thereon. 

10 00 
700 00 



oo , 
00 j 
OO] 
00 ' 



}> 1,880 00 



00 i 

00 j 
00 
00 
00 



)> 4,050 00 



3,000 00 

360 00 

1,350 00 



Summary of Asset- Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, . x . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Xotes taken for marine and inland risks, . 
Premiums more than 3 months due, $681 30 

Gross assets 

Deduct special deposits in other States, . 



Balance, $1,892,311 86 



1,500 00 
31, 1890. 

$22,745 78 

237,560 00 

12,402 15 

1,388,525 30 

11,940 00 

7,719 64 

72,851 88 

16,590 56 

206,445 25 

681 30 



$11,940 00 



.,977,461 86 
85,150 00 



* Total value of property mortgaged $823,927 00 



342 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 



Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 



$85,839 05 

6,750 00 

664,096 64 

38,238 65 

$794,924 34 
22,289 21 



$772,635 13 



,119,676 73 



Paid-up capital, 1,000,000 00 



Surplus over capital, $119,676 73 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

I nt crest received on mortgages, .' . 

Interest and dividends received from all other 

Income from rents, ..... 

Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, ... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Casb paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 



L5 1,746 84 
139 98 



$151,606 86 
1,298,016 90 


$1,449,623 76 
203,721 53 


$1,245,902 
241,775 


23 

83 


$3,949 
16,578 


08 
34 


$20,527 
2,723 


42 
72 


$17,803 
3,858 


70 
45 



sources, 



$601,312 96 
47,173 53 

|11,051 49 

1,195 57 



$1,004,126 40 



13,945 25 

15,489 87 

67,270 51 

539 85 

,101,371 88 



$557,139 43 



6,855 92 



1890.] 



IXS. COS. OF OTHER STATES. 



343 



( lash dividends paid 

Cash paid for commissions and brokerage, 

for salaries <>t' officers and employees, 
for State and local taxes, . 

for incidentals, 

Gr<>-» cash expenditures, .... 



$60,000 00 

206,574 00 

53,206 94 

23,325 48 

79,205 53 

$986,307 30 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written during 1890, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured. 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of }*ear, . 
Deduct amount re-insured, 

Xet amount in force, . 



$87,776,558 00 
. 98,320,557 00 

$186,097,115 00 
. 77,344,672 00 

$108,752,443 00 
. 6,465,836 00 



Premiums. 

$1,080,350 87 
1,298,016 90 

$2,378,367 77 
1,033,372 9i 

$1,344,994 85 
74,014 53 



$102,286,607 00 $1,270,980 32 



$440,192 00 
8,894,912 00 

^9,335,104 00 
8,852,906 00 

$482,198 00 
55,083 00 



$5,929 09 
16,578 34 



$22,507 43 

10,268 10 

$12,239 33 

550 83 



$427,115 00 $11,688 50 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$8,754,064 00 

5,249,432 00 

570,188 00 

10,084 00 

865,000 00 

60,000 00 

104,000 00 



344 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



•PACIFIC FIRE INSURANCE COMPANY,"' NEW YOHK. X. Y. 

[Incorporated April '26, 1851. Commenced business April 20, 1861.] 
Paid-up Capital, $200,000. 



Frank T. Stinson, President. 



George Jeremiah, Secretary. 



Detailed Statement of Stocks and Bonds 

Tar Value. 

United States bonds, $138,000 00 

New York city bonds, 247,000 00 

Broadway & Seventh Avenue Railroad bonds, 10,000 00 

Syracuse, Bingham ton & New York R R. bonds, 5,000 00 

New York Central & Hudson River R.R. stock, 10,000 00 



Market Value. 

$166,915 00 

252,540 00 

10,500 00 

6,575 00 

10,100 00 



$410,000 00 $446,630 00 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $1,409 14 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 

GrOSS liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, 



Surplus <»\ er capital, . 



* Value of land- mortgaged, 
Value of bulldlnga thereon, . 
Amount of Insurance lield as collateral, 



$65,000 00 

141,200 00 

1,420 13 

446,630 00 

5,117 54 

20,649 13 

3,484 16 

35,470 59 

104 17 



$9,958 74 

17,150 14 

1,850 00 



$28,958 88 

3,574 69 

$25,384 19 

184,073 04 

3,013 7!) 

9,204 77 

2,300 00 



$719,075 72 



223,975 7!) 



$495,099 93 

200,000 00 

$295,099 93 



1160,900 00 
206,600 00 

is 1,700 00 



1890.] 



INS. COS. OF OTHER STATES. 



345 



Income. 

Fire premiums outstanding Dec. 81, 1889, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

I., ss re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



GrOSS cash income, 



$31,9.50 34 
479 25 

£31,471 09 
317,708 92 

$3-19,180 "1 
36,879 73 

831 2,300 28 
61,730 24 



sources, 



8250,570 o-l 

6,619 G2 

14,426 00 

2,350 04 

$273,965 70 



EXPENDITUR] 8. 

( lash paid for lire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidental-. ..... 

Gross cash expenditures, . 



[51,775 93 
11,957 85 



$139,818 08 
24,000 00 
54,256 45 
17,626 81 
6,440 16 
18,197 14 

$260,338 14 



Risks and Premium-. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

Iu force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$40,854,808 00 
37,240,816 00 

$78,095,624 00 
30,038,298 00 

$48,057,326 00 
3,374,355 00 



Premiums. 

$329,466 29 
317,708 92 

$647,175 21 
256,201 96 

§390,973 25 
31,726 46 



$44,682,971 00 $359,246 79 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, .... 



$5,819,098 00 

2,935,927 00 

138,614 00 

1,296,000 00 

24,000 00 

48,525 00 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

" PACKERS 1 AND PROVISION DEALERS 1 INSURANCE COMPANY," 

CHICAGO. 

[Incorporated Dec. 19, 1S85. Commenced business Jan. 2, 1886.] 

Paid-up Capital, $250,000. 

A. X. Young, President. R. J. Smith, Secretary. 



Detailed Statement of Stocks 



American Exchange National Bank stock, 
Davenport & R. I. Railroad stock, . 
National Railroad of Illinois stock, . 
Chicago West. Div. Railroad stock, . 
West Chicago Street Railway, . 
Chicago Consol. Brewing and Malt Co. stock, 
Chicago Consol. Brewing and Malt Co. bonds 
Chicago Packing and Provision Co. bonds, 
Santa Fe Elevator and Dock Company bonds, 
Chamber of Commerce Safety Vlt. Co. bonds, 



and Bonds. 

Tar Value. 

$5,000 00 

5,000 00 

5,000 00 

2,400 00 

20,000 00 

5,000 00 

8,000 00 

10,000 00 

10,000 00 

10,000 00 



Market Vitlue. 

$7,000 00 

4,500 00 

5,600 00 

14,640 00 

21,800 00 

5,000 00 

8,320 00 

10,000 00 

10,000 00 

10,000 00 



$80,400 00 $96,860 00 



Summary of Assets Dec 31, 1890. 

$195,512 50 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
( ash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



3,249 73 

96,860 00 

13,264 59 

918 81 

755 00 

7,775 78 



$318,336 41 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
( oimnissions and brokerage, . 

dross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$5,485 60 
1,348 32 

44,078 47 
1,584 69 



52,497 08 

$265,839 33 
250,000 00 



Surplus oyer capital, $15,839 33 



* Total value of property mortgaged, . 
Amount <>f Insurance held ai collateral, 



1540,200 00 

82,700 'in 



L890.] 



INS. COS. OF OTHER STATES. 



347 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected. 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 

Interest and dividends received from all other sources, 



87,920 36 
97,775 58 

$105,695 94 
7,775 78 

$97,920 16 
14,588 80 



$83,331 36 

14,234 62 

2,998 66 



Gross cash income, f 100,564 64 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for tire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 



$37,428 68 
1,102 80 



$3(3,325 88 

15,000 00 

25,996 13 

4,331 22 

3,174 91 

$84,828 14 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$5,785,736 00 $55,604 42 
9,043,515 00 97,775 58 



Total, . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, . 



§14,829,251 00 $153,380 00 
7,130,827 00 66,409 59 



§7,698,424 00 
167,350 00 



,970 41 
2,305 26 



. $7,531,074 00 $84,665 15 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 percent.), . 
Company's stock owned by directors, . 



$278,756 00 
131,657 00 
38,098 00 
45,000 00 
15,000 00 
36,000 00 



348 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"PENNSYLVANIA FIRE INSURANCE COMPANY," PHILADEL 

riiiA. pa. 

[Incorporated March, 1S25. Commenced business April, 1825.] 
Paid-up Capital, $400,000. 



K. Dale Benson, President. 



\Y. Gardner Crowell, Seen torn. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $45,000 00 $54,450 00 

Philadelphia city bonds, 50,000 00 55,520 00 

Philadelphia, Wil. & Baltimore R.R. bonds, . 125,000 00 124,300 00 

Philadelphia & Erie Railroad bonds, . . 75,000 00 83,250 00 

Pennsylvania Railroad bonds, .... 99,000 00 110,860 00 

United Companies of New Jersey bonds, . 60,000 00 63,000 00 

Easton & Amboy Railroad bonds, . . . 50,000 00 55,000 00 

Philadelphia & Reading Railroad bonds, . . 93,500 00 87,560 00 

Philadelphia & Reading Car Trust bonds, . 50,000 00 47.500 00 

Phila. and Heading Coal and Iron Co bonds, . 20,000 00 20,400 00 

Lehigh Valley Railroad bonds, . . . 77,000 00 86,460 00 

Elmira & Williamsport Railroad bonds, . . 25,000 00 30,000 00 

West Jersey Railroad bonds, . . '. . 10,000 00 12,000 00 

Pa. and New York Canal and R.R. Co. bonds, 74.000 00 81,800 00 

Western Pennsylvania Railroad bonds, . . 4,000 00 4,120 00 

Chicago & Western Indiana Railroad bonds, . 46,000 00 50,600 00 

Jacksonville Southeastern Railway bonds, . 30,000 00 25,500 00 

Shamokin, Sunbury & Lewisburg R.R. bonds, 20,000 00 20,000 00 

( lorning, Cowanesque & Antrim R.R bonds, . 30,000 00 31,500 00 

Terre Haute & Logansport Railroad bonds, . 50,000 00 50,000 00 

New York & Long Branch Railroad bonds, . 25,000 00 26,750 00 

Northern Pacific Railroad bonds, . . . 40,000 00 45,600 00 

St. Paul & Northern Pacific Railroad bonds, . 30,000 00 36,000 00 

Lehigh Valley Coal Company bonds. . . 25,000 00 25,000 00 

Pittsburg, McKeesport & Yough. R.R. bonds,. 20,000 00 22,600 00 

Pitts., Youngstown & Ashtabula P.P. bonds, . 25,000 00 26,000 00 

Cleve., Col , (in. & Indianapolis R.R. bonds, . 30,000 00 35,400 00 

Buffalo Hun, Belle. & Bald Eagle R.R. bonds, 20,000 00 20,000 00 

Grand Rapids & Indiana Railroad bonds, . 21,000 00 17,850 00 

New York, Lake Erie & Western R R. bonds,. 25,000 00 27,500 00 

Railroad aid bonds, Kiowa County, Kan., . 25,000 00 25,000 00 

Oregon & Pacific Railroad bonds, . . . 20,000 00 10,000 "<> 

Dixon Water Company bonds, . . . . 7,000 00 5,600 00 

Knoxville Water Company bonds, . . . 15,000 00 15,000 00 

American Steamship Company of Phila. bonds, 15,000 00 15,750 00 

Lehigh Coal and Navigation Company bonds, 20,000 00 22,000 00 

Chesapeake and Delaware Canal Co. bonds, . 10,000 00 9,500 00 

Delaware Division Canal Company bonds, . 20,000 00 20,000 "<> 

The Pennsylvania Company bonds, . . . 4,000 00 1,200 00 



1890.] 



INS. COS. OF OTHER STATES. 



349 



Car Trust of New York bonds, . 
Huntingdon and Broad Top Car Trust bonds, 
Huntingdon County, [nd., bonds, 
Harrisburg city bonds, 

St. Louis city bonds, 

( ineinnati city bonds 

City of Springfield, 111., bonds, 
City of Topeka, Kan., bonds, . 
Kansas City, Kan., bonds, 

Newark city bonds, 

Wabash Railroad Company bonds, . 

Pittsburg Junction Terminal Company bonds, 

Newburff iS: New York Railroad bonds, . 

Northern Central Railroad Company bonds, 

Baltimore cV Ohio Equipment Asso. bonds, 

Baltimore & Ohio Railroad bonds, . 

West Knowille General Imp. Company bonds 

Atlantic City Railroad bonds, . 

Camden Rorse Railroad bends. 

200 shares Philadelphia National Bank, . 



l'ar Value. 

$17,000 00 
40,000 00 
84,000 00 
18,000 00 
25,000 00 
53,000 00 
45,000 00 
22,600 00 
24,000 00 
20,000 00 
82,000 00 
25,000 00 
15,000 00 
33,000 00 
50,000 oo 
50,0oo "o 
20.000 oo 
20,000 00 
25,000 00 
20,000 00 



Market Value, 

$15,300 00 
40,000 00 
35,70(5 00 
18,920 00 
30,250 00 
67,590 00 
46,500 00 
23,278 00 
24,720 00 
21,300 00 
22,400 00 
25,000 00 
15,000 00 
39,600 00 
50,000 00 
52,000 00 
22,000 00 
20,600 00 
25,000 00 
47,400 00 



$2,019,100 00 $2,146,128 00 



Securities held as collateral for cash loans : 

130 shares United Firemen's Insurance Co., 
411 " Lake Superior Elevator Co., . 
859 " Del. & Bound Brook Railroad, 
13 " Manayunk National Bank, . 
3125 " Lehigh Valley Railroad, 
10 " Ninth National Bank, . 
5 " Moorestown National Bank, . 
5 " Fire Ins. Co of County of Phila., 
600 " Philadelphia Traction Company, 
95 " Calumet & Hecla Mining Co., 
100 " Northern Central Railroad, . 
25 " Western National Bank, 
50 " Keystone Watch Case Company, 
Boston United Gas bonds, .... 
Philadelphia & Reading Railroad bonds, . 
Philadelphia & Reading Railroad bonds, . 
105 shares Lehigh Coal and Nav. Co., 

10 shares Commonw'th Title Ins. & Trust Co 
Pittsburgh, Cincinnati & St. Louis Railroad, 
100 shares Metropolitan Traction Company, 
50 " Philadelphia Traction Company, 
300 " Metropolitan Traction Company, 
300 " Westinghouse Air Brake Company, 



Market Value. 

$2,080 00 

24,660 00 

146,030 00 

2,340 00 

152,625 00 

1,400 00- 

1.000 00 

625 00. 

37,800 00 

23,275 00 

6,700 00 

2,625 00 

2,750 00 

4,350 00 

61,927 50 

31,120 00 

5,040 00- 

650 00 

1,170 00. 

8,000 00 

3,150 00 

24,000 00 

32,400 00 



Loaned Thereon. 

$1,350 00 

15,000 00 

105,000 00 

1,625 00 

125,000 00 

2,100 00 

33,000 00 
10,000 00 

7,500 00 

5,000 00 

50,000 00 
25,000 00 

5,000 00 

9,250 00 

20,000 00 
25,000 00 



350 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Bocjto* United Gas. bonds, 

40 shares Pennsylvania Railroad, . 

60 " North Pennsylvania Railroad, 
760 " I hint inn. l«»n & Bd. Top Railroad, 
Richmond & West Point Terminal Railroad, 
100 shares Illinois Central Railroad, 
100 " New York Central Railroad, . 

50 " Chicago, Mil. & St. Paul R.R , 

50 " Lehigh Valley Railroad, . 
500 " Brooklyn City Railroad, . 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



20,000 00 



Market Value. Loaned Thereon. 

$21,750 00 n 

2,000 00 i $25,000 00 

4.S00 00 ) 
13,110 00 
15,015 00 

9,600 00^ 
10,000 00 | 

1,125 00 \ 25,000 00 

2,450 00 
80,000 00 



$735,567 50 $509,825 00 

31, 1890. 

§152,500 00 

463,220 00 

5,851 92 

2,146,128 00 

509,825 00 

2,567 60 

62,471 20 

886 30 

160,996 27 

864 16 

$3,505,310 45 

54,450 00 



Balance, $3,450,860 45 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$31,293 03 

52,372 37 

6,605 06 

910,319 60 

640,912 67 

23,500 00 

: ,665,002 73 
4,303 17 



1,660,699 56 



Surplus as regards policy-holders, $1,790,160 89 

Paid-up capital, 400,000 00 

Surpl us over capital, $1,390,160 89 

• Total value of property mortgaged, $1,689,050 00 

Amount of inmirunce held as collateral 269,675 00 



1890.] 



INS. COS. OF OTHER STATES. 



351 



Income. 

Fire premiums outstanding Dee. 31,1889, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

[nteresl received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 

Deposits received for perpetual fire risks, 
Gross cash income 

Expenditures. 

Cash paid for fire losses 

( lash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employee 

for State and local taxes, 
for incidentals, .... 
Deposits returned on perpetual lire risk N 

Gross cash expenditures, . 



$168,107 47 
1,879,854 59 

$1,547,522 06 

160,996 27 

1 1,386,525 79 

196,964 66 



source-, 



$56,879 99 



ss, 



,189,561 13 

24,712 97 

134,925 II 

2,783 17 



. $1,351,982 71 



$667,687 66 
60,000 00 
288,390 05 
42,957 87 
28,357 91 
60,707 91 



$14,018 50 



,148,101 40 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



Risks and Premiums. 

Premiums. 

$131,433,174 00 $1,645,326 29 
. 111,151,618 00 1,379,354 59 



$242,584,792 00 $3,024,680 88 
. 96,122,013 00 1,222,902 92 



$146,462,779 00 $1,801,777 96 
. 4,993,253 00 59,427 72 



Net amount in force, .... $141,469,526 00 $1,742,350 24 
Perpetual risks in force (not included above), 27,724,965 00 696,218 22 



Miscellaneous. 

Premiums received from organization of company, * 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 
Company's stock owned by directors, . 



$19,019,140 00 

11,383,988 00 

665,000 00 

2,469,000 00 

60,000 00 

52,500 00 



352 FIRE, MARINE, AND FIRE-MAR INK [Doc 31, 



"PEOPLE'S INSURANCE COMPANY;' PITTSBURGH, PA. 

[Incorporated March 17, 1S62. Commenced business June 10, 1S62.] 
Paid-up Capital, $200,000. 

James Herdman, President. Wm. F. Gardner, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 
Liberty Sub-School District bonds, . . . $4,000 00 

Pittsburg Junction Railroad bonds, . . . 13,000 00 

Central Traction Railroad bonds, . . . 25,000 00 

Tradesmen's National Bank stock, . . . 4,000 00 



Market Value. 

$4,000 00 

14,820 00 

26,250 00 

10,800 00 



Securities held as collateral for cash loans : 
Pittsburgh, Alleghany & Man. Traction Co., 



$46,000 00 $55,870 00 

Market Value. Loaned Thereon. 

$8,075 00 $6,000 00 



Summary of Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Re-insurance due, ..... 
Gross assets, . . . 



|27,825 00 
160,382 32 

3,806 41 
55,870 00 

6,000 00 

5,228 88 

8,857 85 

1,301 33 

30,461 81 

428 00 

500 00 



$300,661 60 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Return premiums, 

Gross Liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Impairment of capital, 



f 13,474 43 

10,862 50 

750 00 

89,548 54 

5,773 03 

50 46 



120,458 96 



$180,202 64 
200,000 00 



9,797 86 



♦ Value of lands mortya^ed, 

Value of buildlngi thereon, . 

Amount of insurance held as collateral, 



$257,700 00 
223,300 00 
143,850 00 



L890.] 



INS. COS. OF OTHER STATUS. 



353 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not sollected, .... 

Net collected 

Premiums <>n risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

"Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rent-, .... 

Gross cash income, 



$21,502 91 
1,934 32 

$19,658 59 
207,643 08 

|227,301 67 

30,461 81 



$196,839 86 
38,192 18 



SOUT 



$158,647 68 
9,478 39 
2,979 71 
4,115 50 



$175,216 28 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for expenses on real estate, 

for incidentals, .... 

Gross cash expenditures, .... 



$151,185 06 
14,324 42 



$136,860 64 

27,855 32 

8,659 84 

4,384 52 

2,785 47 

10,058 43 

$190,604 22 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$15,372,641 00 $196,141 90 
. 16,552,239 00 207,643 08 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $31,924,880 00 $403,784 98 
. 16,810,201 00 218,763 90 



.$15,114,679 00 $185,021 08 
650,262 00 8,204 95 



. $14,464,417 00 $176,816 13 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Company 1 s stock owned by directors, . 



$2,422,082 00 

1,472,006 00 

134,095 00 

256,000 00 

21,500 00 



354 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

M PEOPLE'S 1 IRK INSURANCE COMPANY," MANCHESTER, N. H. 

[Incorporated August, 1885. Commenced business Nov. 17, 1885.] 
Paid-up Capital, $350,000. 

Joseph C. Mooke, President. S. B. Stearns, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 
Hillsborough Count}', N. H., bonds, 
Manchester, N. H., city bonds, . 
Portsmouth, N H., city bonds, 
Chichester, N. H , bonds, . 
Waubunsee County, Kan., bonds, 
Illinois State bonds, .... 
James River Valley Railroad bonds, 
New Hampshire Trust Company bonds, . 
Security Mortgage and Trust Co., Dak., bonds 
Kansas Investment Company, Kan., bonds, 
Dakota Investment Company, Dak., bonds, 
St. Cloud Gas and Electric Company bonds, 
New Eng. Loan and Trust Co., Boston, bonds 
Nashua Trust Company, Nashua, bonds,. 
Manchester, N. EI., Electric Light Co. bonds, 
Cleveland, Chag. F n ls & Northern R.R. bonds 
Rapid City, Dak., bonds, .... 
50 shares Granite State Trust Company, . 
20 ' 
88 ' 
10 ■ 
10 ' 
25 

60 ' 
40 



Security Trust Company, N. II., 
First National Bank, Marion, Kan., 
Winchester, N. H., National Bank, 
Woodsville, N. II., Guar. Sav. Bank 
Kimball Champ. Inv. Co., la., . 
Union Trust Co., Sioux City, la., 
LakeVil &Laeonia,N. II., Water W'ks, 



and Bonds. 

Par Value. 

$70,000 00 

2,500 00 

500 00 

15,000 00 

1,500 00 

5,000 00 

7,000 00 

10,000 00 

25,000 00 

5,000 00 

12,900 00 

18,000 00 

3,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

1,000 00 

5,000 00 

2,000 00 

8,800 00 

1,000 00 

1,000 00 

2,500 00 

6,000 00 

2,000 00 



Securities held as collateral for cash loans : - 

25 shares Security Trust Company, Nashua, 
10 " Amosk'g Fire Ins. Co., Man., N. II., 

1221 " Francestovvn Soapst'n Co., . 

St. Louis & San Francisco R K. bonds, 

21 shares Guar. Savings Bank, 

50 " Union Pub. Co., Manchester, N. II.,. 

50 " Lake Yil. & Laconia Horse R.U., 

Mortgage note, J. E. Clifford, . 

132 shares Union Trust Co., Sioux City, . 



Market Value. 

$86,450 00 

2,750 00 

564 25 

15,925 00 

1,590 00 

6,000 00 

8,000 00 

11,500 00 

25,000 00 

5,000 00 

12,900 00 

18,000 00 

3,300 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

1,100 00 

5,500 00 

2,500 00 

10,120 00 

1,200 01 

1,000 00 

3,000 00 

6,900 00 

2,100 00 



$234,700 00 $260,399 25 



Market Value. 

$3,000 00 
1,200 00 

12,200 00 
3,600 00 
4,512 00 
5,000 00 
4,900 00 
5,750 00 

13,200 00 



Loaned Thereon. 

$2,500 00 
1,000 00 
5,000 00 
3,000 00 
3,200 00 
2,150 00 
3,900 00 
5,000 00 

10,000 00 



$53,362 00 $35,750 00 



1890.] 



INS. COS. OF OTHER STATES. 



355 



Summary ok Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $242,281 66 

Interest duo or accrued thereon, . . . 3,415 06 

Stocks and bonds, as per schedule, . . . 260,399 25 

Loans on collateral security, as per schedule, . 35,750 00 

Cash in the ollice ot the company, . . . 6,323 80 

Cash deposited in bank, 114,488 33 

Interest due and accrued, 9,544 48 

Premiums in course of collection (gross), . 89,670 84 

(iross assets, f 76 1,873 42 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk-. 
Commissions and brokerage, . 

He-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



Income. 



Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Xet cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 



$18,384 11 

16,350 00 

2,000 00 

$ 36,734 11 
1,000 00 

$35,734 11 

297,177 63 

14,372 36 

3,561 80 



$74,788 43 
587,630 51 



$662,418 94 
82,734 37 

$579,684 57 
109,571 05 

$4,183 00 
28,654 68 



$32,837 68 
6,936 47 



350,845 90 

$411,027 52 
350,000 00 

$61,027 52 



$470,113 52 



* Value of lands mortgaged, $366,800 00 

Value of buildings thereon 219,810 00 

Amount of insurance held as collateral, .... 184,900 00 



35(5 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Entire premiums collected $25,001 21 

L< 38 re-insurance and return premiums, . . 4,982 45 
Net cash marine premiums received, . . 

Interest received <»n mortgages, 

[nteresl and dividends received from all other sources, . 
Received for increased capital, . . . $100,000 00 

Gross cash income, 



|20,918 76 

12,586 00 

20,641 00 

$524,209 28 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$310,834 51 
19,823 85 



$291,010 66 
8,927 80 
18,000 00 
111,852 46 
20,084 30 
11,486 06 
32,298 38 

$493,659 66 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.$35,869,922 00 
. 45,375,595 00 



Premiums. 

|552,718 68 
587,630 51 



181,245,517 00 
37,714,383 00 



. $43,531,134 00 
. 2,160,977 00 



1,140,349 19 
567,594 53 

$572,754 GG 
30,441 53 



$41,370,157 00 $542,313 13 



$389,712 00 
1,054,440 00 



$1,444,152 00 
629,802 00 



$10,242 82 
28,654 68 

$88,897 50 

14,805 77 



$814,350 00 $24,091 73 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland Losses incurred during the year, 
( ;i-h dividends declared from organization of company, 
Dividends declared during the year, . 
Company's stock owned by directors, .... 



$2,053,812 00 

1,037,456 00 

288,558 00 

1 l.!IS!) 00 

40,500 00 

18,000 00 
113,500 00 



1890. J 



INS. COS. OF OTHER STATES. 



357 



"PEOPLE'S FIRE INSURANCE COMPANY OF THE CITY OF NEW 

YORK/ 1 NEW YORK, N. Y. 

[Incorporated 1861. Commenced business April 23, 1851.] 
Paid-up Capital, $-200,000. 

V. V. Price, President. A. C. Milne, Secretary. 



Detailed Statement of Stocks 



United states bonds, 

Union Pacific Railroad bonds, . 

Northern Pacific & Montana Railroad bonds, 
International & Great Northern R.R. bonds, 
Canada Southern Railroad bonds, . 
Chicago, Rock Island & Pacific R.R. bonds. 
West Shore Railroad bonds, 
150 shares Union Pacific Railroad, . 
100 " National Rank of Commerce, 
L00 " People's Bank, 
200 " Consolidated (Jas Company, . 
7 " Second Avenue Railroad, 



Securities held as collateral for cash loans : 

100 shares Pennsylvania Railroad, . 
75 " Nashville, Chatt. & St. Louis R.R. , 
30 " National Express Company, . 

Newark, N. J., city bonds, 



and Bonds. 

Tar Value. 

$120,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
15,000 00 
15,000 00 
15,000 00 
10,000 00 
2,500 00 
20,000 00 
700 00 



Market Value. 

$147,300 00 
11,200 00 
10,500 00 

7,500 00 
15,900 00 
15,000 00 
15,300 00 

6,900 00 
20,000 00 

7,500 00 

20,000 00 

840 00 



$243,200 00 $277,940 00 



Market Value. Loaned Thereon 

$5,100 00 $3,500 00 

6,975 00 I 5 00Q 0Q 
3,750 00 b 

12,000 00 8,000 00 



'7,825 00 $16,500 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $30 77 
Gross assets, 



31, 1890. 

$277,940 00 

16,500 00 

1,510 52 

3,213 17 

3,259 50 

20,351 00 



$322,774 19 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of mrpaid losses, 



$6,624 57 

11,200 00 

936 91 



,761 48 
900 00 



$17,861 48 



358 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Untamed premiums on outstanding risks, 
Due and accrued for rent, salaries, ete., . 
State and total taxes, .... 

Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, exeept capital, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$87,973 72 

626 34 

600 00 

4,612 36 

1,875 14 

989 85 



$114,538 89 

$208,235 30 
200,000 00 

$8,235 30 



Income. 

Fire premiums outstanding Dec. 31, 1889, . 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, . . . . 
Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources 

Gross cash income, 



$13,198 52 
286 05 



$12,912 47 
142,572 53 


$155,485 
17,685 


00 
42 


$137,799 58 
16,318 22 


$2,859 35 
10,728 50 


$13,587 
2,696 


85 
35 


$10,891 
825 


50 
12 



$121,481 36 



10,066 38 
10,736 04 

$142,283 78 



Expenditures. 

Cash paid tor fire losses, 

Deduct salvage and re-insurance, 

Net cash paid tor lire Losses, .... 

Cash paid tor marine and inland losses, . 

( !ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$98,847 65 



5,2 



34 19 



$93,613 46 

6,685 21 

12,000 00 

30,517 06 

11,735 00 
1.729 08 
9,776 63 



$166,006 47 



1890.] 



ENS. COS. OF OTHER STATES. 



359 



Risks a\d Premiums. 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in t'mvt , . 

Inland risks outstanding Dec. 31, 1889, 
Inland risks written during 1890, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 



$19,193,942 00 
18,835,605 00 

$38,029,547 00 
18,117,48.i 00 



Premiums. 

$163,311 81 
142,572 53 

$305,884 34 
140,704 99 



$19,912,064 00 
880,058 00 



$165,179 35 
7,847 59 



. $19,032,006 00 $157,331 76 



$440,491 00 
694,597 00 

|1,185,088 00 
763,908 00 



$ 10,222 91 

10,728 50 

$20,951 41 

11,643 57 



$371,180 00 $9,307 84 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent), 
Company's stock owned by directors, 



3,443,619 00 

1,790,909 00 

79,058 00 

9,601 00 

598,000 00 

12,000 00 

63,900 00 



"PHENIX INSURANCE COMPANY;' BROOKLYN, N. Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.] 
Paid-up Capital, $1,000,000. 

George P. Sheldon, President. Charles C. Little, Secretary, 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . $215,000 00 $262,180 00 

New York city bonds, 462,000 00 500,340 00 

Nassau Gas Light Co., Brooklyn, certificates, . 17,000 00 17,170 00 

People's Gas Light Co., Brooklyn, bonds, . 10,000 00 10,100 00 

Equitable Gas Light Co., New York, bonds, . 49,000 00 50,975 00 

Ohio Southern Railroad bonds, - . . 25,000 00 26,250 00 

New York Elevated Railroad bonds, . . 25,000 00 29,000 00 

Smithtown & Port Jefferson R.R. bonds, . . 10,000 00 11,200 00 



360 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Broadway & Seventh Ave. Railroad bonds, 
X. V., Brooklyn & Man. Beach R.R. bonds, 
Philadelphia & Heading- Railroad bonds, 
Kings Comity Elevated Railway bonds, 
Pacific Railroad of Missouri bonds, . 
Knoxville & Ohio Railroad bonds, . 
Toledo & Ohio Central Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Michigan Central Railroad bonds, . 
Atchison, Topeka & Santa Fe Railroad bonds, 
Louisville, St. Louis & Texas R.R. bonds, 
Louisville & Nashville Railroad bonds, . 
Wabash Railroad bonds, .... 
Missouri, Kansas & Texas Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Canada Southern Railroad bonds, . 
Milwaukee & Northern Railroad bonds, . 
Calvary Cem., Greenp't & B'klyn R.R. bonds, 
Missoula County, M. T., bonds, 
U. S. Illuminating Company bonds, 
Lake Gas Company, Chicago, bonds, 
Lehigh & Wilkesbarre Coal Co. bonds, . 
Board of Trade, Chicago, certificate, 
1875 shares Brooklyn City R R., Brooklyn, 



200 

50 
500 
500 
500 
500 
500 

50 
300 
286 

87 
200 
100 
100 
223 

80 
408 
128 

80 



Central Park, N. & E. R. R.R., 
Dry Dock, E. Broadway & Bat. R.R, 
N. Y. Cent. & Hud. River R.R., N. Y., 
Lake Shore & Mich. Southern R.R., 
Chicago & Northwestern R.R., 
Metropolitan National Bank, N. Y. 
Amer. Exchange Nat'l Bank, N. Y., 
Nari Shoe and Leather B% N. Y., 
St. Nicholas Bank, N. Y., 
National Bank of Republic, N. Y., 
Nat'l Bank of Commerce, N. Y., 
Fourth National Bank, N. Y., 
Mercantile Nat'l Bank, N. Y., 
National Park Bank, N. Y., . 
( liatham National Bank, N. Y., 
Commercial Bank, Brooklyn, 
Mechanics 1 Bank, Brooklyn, . 
National City Bank, Brooklyn, 
Xafl Bank of Illinois, Chicago, 



Par Value. 

$15,000 00 
30,000 00 
50,000 00 
50,000 00 
100,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
13,000 00 
25,000 00 
25,000 00 
37,000 00 
12,000 00 
25,000 00 
50,000 00 
25,000 00 

2,700 00 
18,750 00 
20,000 00 

5,000 00 
50,000 00 
50,000 00 
50,000 00 
20,000 00 
50,000 00 

5,000 00 
30,000 00 
28,600 00 

8,700 00 
20,000 00 
10,000 00 
10,000 00 

5,575 00 

4,800 00 
20,400 00 

6,400 00 

8,000 00 



Market Value. 

$15,750 00 
30,900 00 
40,000 00 
52,000 00 
98,500 00 
27,500 00 
26,250 00 
25,000 00 
24,625 00 
40,000 00 
20,000 00 
27,000 00 
24,625 00 
19,000 00 
13,000 00 
23,875 00 
26,750 00 
41,255 00 
13,200 00 
25,500 00 
51,000 00 
28,750 00 

2,700 00 
30,000 00 
23,000 00 

6,750 00 
50,750 00 
53,750 00 
52,750 00 

1,600 00 
77,500 00 

8,000 00 
38,700 00 
54,340 00 
17,139 00 
34,600 00 
22,500 00 
32,500 00 
22,857 50 

7,680 00 
55,080 00 
28,160 00 
21,200 00 



§1,1)43,925 00 $2,243,251 50 



Securities held as collateral for cash loans: — 

.Market Value. Loaned Thereon. 
Prospect Park & Coney Island R.R. bonds, . $3,210 00 $2,700 00 



1890.] 



IXS. COS. OF OTHER STATES. 



361 



Simmakv of Assets Dec 

(ash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

( 'ash in the office of the company, . 

( !ash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued 

( rross assets, ..... 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Re-insurance and return premiums, 
All other liabilities, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Ineome from rents, . 

Profit and loss, ... 



Gross cash income, 



SI, 1890. 

$1,725,751 95 

174,000 00 

2,577 46 

2,243,251 50 

2,700 00 

581 67 

388,129 96 

10,952 46 

1,041,179 68 

4,529 33 



$5,593,654 01 
213,500 00 



$5,380,154 01 



$137,351 46 

36,208 64 

3,494,953 69 

1,299 04 

142,013 85 

72,342 30 

25,000 00 



$3,909,168 98 
110,451 68 



3,798,717 30 

$1,581,436 71 
1,000,000 00 

$581,436 71 



$942,583 89 

4,330,717 77 

$5,273,301 66 

1,041,179 68 

$4,232,121 98 

526,702 88 




,705,419 10 

8,368 37 

94,889 03 

81,730 24 

5,609 10 

,896,015 84 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$178,500 00 
239,500 00 
193,300 00 



362 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses 

Deduct Balvagc and re-insurance, 

Net cash paid for fire losses, . . . . — 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



,949,025 19 
79,060 56 

$69,645 25 
27,498 69 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired aud terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$507,114,829 00 
356,735,398 00 

$863,850,227 00 
337,605,695 00 

$526,244,532 00 
8,704,114 00 



11,870,564 63 



42,146 56 
100,000 00 
709,082 68 
277,218 33 

65,501 46 
319,322 05 

f 3,383,835 71 

Premiums. 

$6,980,160 22 
4,330,717 77 

fll,310,877 99 
4,346,873 15 



1,964,004 84 
86,885 05 



f517,540,418 00 $6,877,119 79 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of comparry, 
Fire losses incurred during the year, , , 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, , . . . 



$76,612,216 00 

39,633,333 00 

1,868,027 00 

42,147 00 

3,074,000 00 

100,000 00 

207,600 00 



"PHCENIX INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 
Paid-up Capital, $2,000,000. 

D. W. C. Skilton, President. GEORGE II. Bukdick, Secretary. 



3.T.C Detailed Statement of Stocks and Bonds. 

Par Value. 

800 Bhares JEtna National Bank, Hartford, . 



1000 

600 

50 

150 

162 



American Nat'l Bank, Hartford, . 
Amor. Loan and Trust Co., N. Y., 
Atlantic Trust Company, N. Y., . 
( Vntral Trust ( 'ompany, N. Y., . 
CharterOak Natl Bank, Hartford, 



$.'50,000 00 
50,000 00 
50,000 00 
5,000 00 
15,000 00 
16,200 00 



Market Value. 

188,000 00 

70,000 00 

51.5UO 00 

22,500 00 

196,000 00 

17,884 00 



1890.] 



ENS. COS. OF OTHER STATES. 



363 



160 shares City Bank, Hartford, . 

100 " Connecticut River Bank, Hartford 

800 " Farm and Mcc Nat, B'k, Hartford 

17.". " First National Bank, Wallingford 

1<>0 " Franklin Trust Company, X. Y., 

1040 " Hartford National Bank, Hartford 

400 M Hartford Trust Company, Hartfd 

26 M Home National Bank, Meriden, 

100 M Imperial Hank, Toronto, Out., 
250 " Metropolitan National Bank, Cin. 
108 " Merchants' Exch. Nat. Bank, N.Y. 

800 " Mercantile National B'k, Hartford 
Mi) " Nat'J Shoe and Leather B'k, N.Y. 
340 " NatU Exchange Bank, Hartford, 
260 " Nat Ger -American B'k, St. Paul, 

200 " New Britain Natl B'k, New Brifn 
750 " Phmnix National Bank, Hartford 
200 M State Bank. Hartford, . 
440 " Waterbury Nat'l B'k, Waterbury 
600 " Avon, Geneseo & Mt, Morris R H. 
500 " Chic , Burlington & Qnincy R.R., 

1100 " Chic, Rock Island & Pacific R.R 
250 M Chicago & Alton Railroad Co., 
500 " Cleveland & Pittsburgh Railroad 
500 " Fort Wayne & Jackson Railroad 
120 " Hartford & Conn. Western R.R , 

10(H) " Illinois Central Railroad, 

1000 " Morris & Essex Railroad, 

1200 « N. Y , X. H. & Hartford R.R, 
250 " New York & Harlem Railroad, 
500 " N. Y. Cent. & Hudson River R.R, 
500 " Peoria & Bureau Valley Railroad 
500 " Rensselaer & Saratoga Railroad, 
660 " Holyoke Water Power Company 

1300 " Northwestern Telegraph Co., 

Atlantic Mutual Insurance Company scrip, 

Georgia State bonds, .... 

Atlantic Dock Company bonds, 

Ashland, Ore., water bonds, 

Branford, Canada, city bonds, . 

Guelph, Canada, city bonds, 

Victoria, Canada (B.C ), bonds, 

Hannibal school, Mo., bonds, . 

Leavenworth city bonds, .... 

Council Bluffs, la., bonds, 

Northwestern Telegraph Company bonds, 

Urbana, O., gas bonds, .... 

Canadian Pacific Railroad bonds, 



Par Value. 

? 16,000 00 

5,000 00 

30,000 00 

17,500 00 

40,000 00 

104,000 00 
40,000 00 
2,600 00 
10,000 00 
12,250 00 
5,400 00 
80,000 00 
10,000 00 
17,000 00 
25,000 00 
20,000 00 
75,000 00 
20,000 00 
22,000 00 
50,000 00 
50,000 00 

110,000 00 
•J.". .000 00 
25,000 00 
50,000 00 
12,000 00 

100,000 00 
50,000 00 

120,000 00 
12,500 00 
50,000 00 
50,000 00 
50,000 00 
66,000 00 
65,000 00 
75,000 00 
25,000 00 
75,000 00 
50,000 00 
25,000 00 
24,000 00 
20,000 00 
42,000 00 
25,000 00 
7,500 00 
15,000 00 
25,000 00 
44,000 00 



Market Value. 

$16,800 00 

5,100 00 

.'..^OOO 00 

19,250 00 

114,000 00 

163,280 00 
53,200 00 
3,068 00 
15,700 00 
600 00 
6,750 00 
76,000 00 
17,000 00 
22,100 00 
32,500 00 
32,000 00 
97,500 00 
20,000 00 
44,000 00 
52,500 00 
44,500 00 
78,100 00 
32,000 00 
38,750 00 
58,000 00 
3,600 00 
98,000 00 
77,500 00 

306,000 GO 
33,750 00 
51,00.0 00 
85,000 00 
90,000 00 

198,000 00 
65,000 00 
78,750 00 
30,000 00 
82,500 00 
53,000 00 
27,500 00 
27,120 00 
22,000 00 
44,100 00 
27,500 00 
7,950 00 
17,400 00 
27,250 00 
48,400 00 



3G4 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



( edar Rap , Iowa Falls & X. West. R'y bonds, 
Chicago & North Western Railway Co. bonds 
Chicago & Western Indiana Railroad bonds, 
Columbus & Western Railroad bonds, 
Chicago, Burlington & Quincj Railroad bonds 
Erie Railway bonds, . .... 
Harlem River & Port Chester Railroad bonds 
Louisville, St. Louis & Texas bonds, 
Minneapolis Union Railway Company bonds, 
NCw York, Lack. & Western Railroad bonds 
New York & New England Railroad bonds, 
Pittsburgh, Cleveland & Toledo R.R. bonds, 
Terre Haute & Logansport Railroad bonds, 
Texas & New Orleans Railroad bonds, . 



Securities held as collateral for cash loans : 

96 shares Travelers 1 Insurance Company, 
10 " Hartford Carpet Company, . 
240 " Landers, Frary & Clark, 
70 " Southern New Eng. Telephone Co 
50 " Atlantic Dock Company, 
64 " Hartford Carpet Company, . 
2261 " Broad Brook Company, 
United Electric R'y, Nashville, Tenn., bonds, 
Sioux City, la., Street Railroad bonds, 
100 shares Pitts., Ft. Wayne & Chic. R.R., 
100 shares Adams Express Company, 



Summary of Assets Dec 
( ash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the oflice of the company, . 
( lash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Par Value. 

$50,000 00 
50,000 00 
76,000 00 

100,000 00 
5,000 00 

100,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
54,000 00 



Market Value. 

$50,000 00 
58,000 00 
85,120 00 

110,000 00 
5,050 00 

135,000 00 
67,500 00 
19,500 00 
57,000 00 
66,500 00 
62,500 00 
57,500 00 
55,000 00 
63,720 00 



$2,815,950 00 $3,858,742 00 



Market Value. 
$28,800 00 

970 00 

7,200 00 

5,250 00 

5,000 00 

6,308 00 

56,525 00 

152,150 00 

33,000 00 

15,000 00 

14,500 00 



Loaned Thereon. 

$12,692 50 
630 00 

10,000 00 

10,000 00 

40,000 00 
25,000 00 
25,000 00 

20,000 00 



Balance, $5,461,344 73 



$324,703 00 $143,322 50 

31, 1890. 

$233,524 34 

676,600 00 

52,653 63 

3,858,742 00 

143,322 50 

22,583 08 

276,161 95 

3,959 67 

400,678 04 

1,139 52 

$5,669,364 73 

208,020 00 



i Value of landH mortgaged, . 

Value of DUildiDgfl thereon, . 

Amount of Insurance held an collateral, 



$1,751,917 00 
4.V2.805 00 
166,205 00 



».] INS. COS. OF OTHER STATES. 

Liabilities. 



365 



(justed and reported, . 
a disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabiliti pt capital. 

Deduct liability on special deposit! 

Surplus as regards policy-holders, . 

Paid-up capital 

Surplus over capital 



$2711,031 17 

14,800 00 

1313,903 88 

44.5.7) 00 

$2,152,28* 

B >,357 56 



- |2,062,927 49 

. |3398,417 24 

. 2,000,000 00 

. $1,308,417 24 



I\< OME. 
Fire premiums outstanding Dec. 31, 1>V». 
Premiums on ri-k^ written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premium- collected, 

- re-insurance and return premiums 

Net cash fire premium- received, 
Inter. - ived on mortgag - 

Interest and dividends received from all other 
Income from rents, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employee 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



|3i4,064 37 

2,949,775 31 

1339 68 

100,678 04 

12393,161 04 

5 '.'7 



sources, 



- $2,625,105 67 

33367 79 

186,805 60 

56 62 

. $2351,635 



01.465,901 29 
19,503,28 



§1,446,398 01 
280,000 00 
451,115 16 
113,562 64 
79,551 34 
254.700 12 

$2,625,327 27 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

$295,179,474 00 §3,420,011 43 
257,510,499 00 2,949,775 31 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$552,689,973 00 $6,369,786 74 
239,421,821 00 2,821,381 74 



$313,268,152 00 83,548,405 UO 



;>r,<; 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
( lasfa dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), 
Company's stock owned by directors, . 



$45,744,872 00 
27,157,044 00 
1,466,015 00 
5,285,000 00 
280,000 00 
160,200 00 



"PROVIDENCE WASHINGTON INSURANCE COMPANY," 

PROVIDENCE, R. I. 

[Incorporated 1799. Commenced business 1799.] 
Paid-up Capital, $400,000. 

J. II. DeWolf, President. E. L. Watson, Secretary. 



Detailed Statement of Stocks 



Boston & Providence Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Rensselaer & Saratoga Railroad bonds, . 
Morris & Essex Railroad bonds, 
New York & New England Railroad bonds, 

220 shares Nat'l Bank of Commerce, N. Y., 
90 

100 

800 
1600 

424 

300 

320 

500 

400 ' 

500 ' 

600 ' 

300 ' 

200 ' 
50 ' 

500 ' 
50 ■ 

500 ' 

400 ' 

400 ' 

200 ( 

600 ' 
L500 ' 



National Park Bank, N. Y , . 
N. Y. Mutual Gas Light Co., N. Y. 
American Nat'l Bank, Providence 
Blackstone Canal N'l Bank, Prov. 
Commercial N'l Bank, Providence 
Lime Rock Nat'l Bank, Providence 
Manufacturers 1 Nat'l Bank, Prov. 
Merchants' Nat'l Bank, Providence 
Mechanics' Nat'l Bank, Providence 
Nat'l Bank of Commerce, Prov., 
Nat'l Bank of No. America, Prov. 
National Eagle Bank, . 
Weybosset National Bank, . 
Union Railroad, 
Providence (las Company, . 
Bath Gas light Co., Bath, Me , 
Chicago cV Alton Railroad, 
Chic , Burlington & Quincy R.R., 
Chicago & Northwestern R.R., 
Chic, Rock Island & Pacific R.R 
Illinois Central Railroad, 
What Cheer Corporation, 



and Bonds. 

Par Value. 

$125,000 00 
25,000 00 
12,000 00 
25,000 00 
15,000 00 
22,000 00 

! 1,000 00 
10,000 00 
40,000 00 
40,000 00 
21,200 00 
15,000 00 
32,000 00 
25,000 00 
20,000 00 
25,000 00 
25,000 00 
15,000 00 
10,000 00 

5,000 00 
25,000 00 

5,000 00 
50,000 00 
40,000 00 
40,000 00 
20,000 00 
50,000 00 
200,000 00 



Market Value. 

$133,750 00 
26,750 00 
17,400 00 
34,500 00 
18,450 00 
43,120 00 
29,700 00 
12,000 00 
35,200 00 
38,400 00 
17,808 00 
11,100 00 
43,520 00 
33,500 00 
22,400 00 
28,000 00 
24,000 00 
18,000 00 
11,400 00 
10,250 00 
36,000 00 
4,000 00 
64,000 00 
36,000 00 
42,000 00 
14,150 00 
48,500 00 

200,000 00 



$946,200 00 $1,053,898 00 



1890.] 



IXS. COS. OF OTHER STATES. 



367 



Summary of Assets Dec. 81, 1890. 



Stocks mid bonds, as per schedule, . 
< 'ash iii the office of the company, . 
Cash deposited in bank, .... 
Premiums in course ot* collection (gross), 

Notes taken for marine and inland risks, 

Premiums more than ;> months due, $4,57'J 30 

Gross assets 



$1,053,898 00 

758 49 

47,975 52 

175,815 60 

71,G20 97 



$1,350,068 58 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Gross Liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$19,744 85 

118,879 34 

6,586 00 

$145,210 19 
25,453 40 

$119,756 79 

694,058 58 

25,520 21 



Surplus over capital, 



839,335 58 

$510,733 00 

400,000 00 

$110,733 00 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



$91,996 19 
1,016,654 05 

$1,108,650 24 
129,009 34 

$979,640 90 
210,268 78 

$100,543 69 
489,460 22 

$590,003 91 
123,205 03 

$466,798 88 
107,826 32 



$769,372 12 



358,972 56 
43,299 20 



Gross cash income, 



:,171,643 88 



368 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, .... 



$441,82* 45 
48,166 37 

1257,710 53 
64,941 72 



$398,672 08 



192,768 81 
24,000 00 

215,993 88 
58,477 75 
27,256 24 
86,249 80 

. $1,003,418 56 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$85,139,724 00 $1,018,302 85 
. 94,968,040 00 1,016,654 05 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$180,107,764 00 $2,034,956 90 
. 74,423,490 00 815,159 54 



$105,684,274 00 $1,219,797 36 
. 10,348,655 00 123,569 10 



.$95,335,619 00 $1,096,228 26 



Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 



$5,964,837 00 $193,800 6o 
65,804,034 00 489,460 22 



Total, $71,768,87100 $683,260 87 

Deduct risks expired and terminated, . . 64,526,706 00 431,276 65 



In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



^7,242,165 00 $251,984 22 
1,787,148 00 48,574 51 



. $5,455,017 00 $203,409 71 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire Losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cast dividends declared from organization of company, 
Dividends declared dming the year (6 per cent.), . 
Company's stock owned by directors 



$17,383,772 00 

10,095,924 00 

401,332 00 

222,571 00 

2,016,563 00 

24,000 00 

38,450 00 



1890.] 



INS. COS. OF OTHER STATES. 



369 



"THE READING FIRE INSURANCE COMPANY," READING, PA. 

[Incorporated July 8, 1867. Commenced business July 8, 1867. J 
Paid-up Capital, $250,000. 



Wm. A. Arnold, President. 



S. E. Ancona, Secretary. 



Detailed Statement <>k stocks 



Philadelphia & Reading Railroad bonds,. 
Perkiomen Railroad bonds, 

Warren & Franklin Railroad bonds, 
•J.")!) Bhares Reading Gas Company, . 
124 « 

200 • 
160 ' 

50 ' 
75 ' 

787 4 

50 ' 



So. Reading Market House Co., 
4 East Pennsylvania Railroad, . 

National Union Bank, Reading, 
4 Farmers' National Bank, Reading, 

4 Second National Rank, Reading, 
4 Reading Trust Company, 
4 Reading City Passenger Railway, 
Reading City Passenger Railway bonds, . 
Philadelphia & Reading Car Trust certificates, 
South Reading Market House Company scrip, 



Securities held as collateral for cash loans : — 

37 shares Keystone National Bank, 
2d " Second National Bank, . 
8 44 First National Bank, 
66 44 Reading Trust Company, 

1 44 Neversink BMd'g and Savings Ass'n, 
886 44 Clymer Iron Company, . 
300 44 Bedford Coal and Iron Compan}^ . 
Reading Foundry Company bonds, . 
Mortgage bonds, 



and Bonds. 

Car Value. 

$21,000 00 

2,000 00 

l,oi)0 00 

6,250 00 

3,100 00 

10,000 00 

3,750 00 

1,500 00 

7,500 00 

73,700 00 

2,500 00 

500 00 

6,000 00 

900 00 



Market Value. 

$16,485 00 

2,000 00 

1,065 00 

15,000 00 

1,080 00 

11,200 00 

. 12,112 50 

3,675 00 

12,750 00 

92,125 00 

3,250 00 

500 00 

6,000 00 

900 00' 



$139,700 00 $181,092 50^ 



Market Value. 

$7,585 00 

4,250 00 

1,600 00 

8,250 00 

262 84 

44,300 00 

30,000 00 

25,000 00 

2,800 00 



Loaned Thereon. 

$3,700 oe 
4,000 00 

4,700 00' 

200 00' 

10,000 00 

15,000 00 

25,000 00 

2,800 00 



$124,047 84 $65,400 00> 



Summary of Assets Dec. 31, 1890. 

Cash value of unencumbered real estate, . $42,770 94 

Loans on mortgage of real estate (first liens*), 291,526 56 

Interest due or accrued thereon, . . 3,349 75 

Stocks and bonds, as per schedule, . . . 181,092 50 



* Value of lands mortgaged, $284,791 00 

Value of buildings thereon 570,520 00 

Amount of insurance held as collateral 411,655 00 



370 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, . . 
Reclaimable on perpetuals, . . . 
Premiums more than 3 months due, $161 92 
Gross assets, 



$05,400 00 

14,368 99 

23,975 39 

927 60 

24,607 12 

449 28 

465 00 



1648,933 13 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Reclaimable on perpetual lire policies, 
Dividends to stockholders unpaid, . 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, etc , 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$21,519 95 
9,942 61 
3,325 00 

195,218 57 
3,696 40 
776 50 
1,000 00 
4,389 87 
3,604 17 
249 79 



243,722 86 



5,210 27 
250,000 00 



$155,210 27 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from commissions, ' . 

Deposits received for perpetual tire risks, 



$25,684 16 

321,527 75 

$347,211 91 

24,769 04 

$322,442 87 

44,606 29 



sources, . 



177,836 58 
17,117 59 

9,898 72 
505 35 

1,712 85 



. $256 50 



Gross cash income, 



$307,071 09 



1890.] 



INS. COS. OF OTHER STATES. 



371 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-iosuranee, 
Net cash paid for fire losses, .... 

( lash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local ta\ 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$119,744 03 

819 14 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total. 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$22,956,137 00 
26,637,886 00 



$49,593,473 00 
18,842,273 00 

$30,751,200 00 
2,490,010 00 



$118,924 89 
20,022 40 
54,419 93 
10,212 00 
4,602 66 
18,195 37 

$226,377 25 

Premiums. 

$262,813 64 
321,527 75 



$584,341 39 
217,693 06 

$366,648 33 
2,928 64 



Net amount in force, .... $28,261,19000 $363,71969 
Perpetual risks in force (not included above), 133,050 00 3,890 94 



Miscellaneous. 

Premiums received from organization of company, 
■s paid from organization of company, . 

Fire losses incurred during the year 

Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, . 



$1,665,039 00 

769,580 00 

138,482 00 

337,561 00 

20,000 00 

54,740 00 



"THE RELIANCE INSURANCE COMPANY OF PHILADELHIA," 

PHILADELPHIA, PA. 

[Incorporated April 21, 1841. Commenced business Aug. 9, 1844.] 
Paid-up Capital, $300,000. 

Thomas C. Hill, President. William Chubb, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 
Philadelphia city bonds, . 
Pittsburg city water works bonds, 
Scranton city water works bonds, 
Rochester city water works bonds, 
City of Quincy, III., bonds, 
American Steamship Company bonds, 
United Company of New Jersey bonds, 
Delano Land Company bonds, . 



Par Value. 

^15,000 00 
75,000 00 
30,000 00 
15,000 00 
20,000 00 
15,000 00 
5,000 00 
5,000 00 
13,000 00 



Market Value. 

818,300 00 
81,900 00 
36,300 00 
16,200 00 
28,000 00 
15,000 00 
5,250 00 
5,300 00 
13,650 00 



372 FIRE, MARINE, AND FIRE-MxYRINE [Dec. 31, 



Lehigh Coal and Navigation Company bonds, 
Lehigh Valley Railroad bonds, 
J la-ton & Am boy Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Northern Central Railroad Company bonds, 
Philadelphia & Erie Railroad bonds, 
Philadelphia & Baltimore Central R.R. bonds 
Pennsylvania Railroad bonds, . 
Steubenvilie & Indiana Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Phila., Wilmington & Baltimore R.R. stocks, 
Pennsylvania Equipment Trust certificates, 
New York and Pacific Car Trust certificates, 
Commercial National Bank stock, . 
Mechanics 1 National Bank stock, 
Allentown Terminal Railroad bonds, 
Pa. and New York Canal and R.R. bonds, 
American Water Works Co. bonds, . 



Tar Value. 

$20,000 00 
20,000 00 
20,000 00 
15,000 00 

9,000 00 
10,000 00 
25,000 00 
10,000 00 

4,000 00 
10,000 00 
30,000 00 
25,000 00 
15,000 00 

2,000 00 
10,000 00 

4,000 00 
15,000 00 
60,000 00 
10,000 00 



Market Value. 

$22,000 00 
22,000 00 
22,400 00 
18,262 00 
10,215 00 
11,500 00 
28,000 00 
10,500 00 

4,420 00 
10,600 00 
30,900 00 
24,750 00 
14,250 00 

2,000 00 
11,500 00 

4,960 00 
15,000 00 
61,800 00 
10,000 00 



$507,000 00 $557,957 00 



Summary of" Assets Dec. 31, 1890. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
( ash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Perpetual deposits, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 

Losses claimed and reported, . 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual lire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes 
Commissions and brokerage, . 

Cross liabilities, except capital, 



$100,000 00 

121,100 00 

1,595 79 

557,957 00 

910 01 

47,641 65 

18,899 47 

425 00 

985 00 



$3,655 22 

16,313 99 

$19,969 21 

4,127 03 

$15,842 18 

111,847 69 

126,417 55 

300 00 

600 00 

487 45 



$849,513 92 



255,494 87 



* Valiu: of land.- mortgaged, 
Value of boildingi thereon, 
Amount of insurance held as collateral, 



$119,000 00 

150,000 00 

83,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



373 



Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



8594,019 05 
300,000 00 

$294,019 05 



Income, 
Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in coursc-of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from transfers, surveys, etc., 
Deposits received for perpetual fire risks, 

Gross cash income, .... 



$10,22:5 79 
208,927 03 

$225,150 82 
18,899 47 

$206,251 35 
27,097 12 



sources, 



$7,152 75 



$178,554 23 

6,300 52 

28,097 09 

2,328 14 

212 49 



$216,092 47 



EXPENDITURI 

Cash paid for fire losses, $102,208 01 

Deduct salvage and re-insurance, . . . 2,071 00 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Deposits returned on perpetual fire risks, . $2,284 50 

Gross cash expenditures, 



$99,537 01 

24,000 00 

35,395 73 

12,106 13 

4,941 29 

6,204 97 



$182,185 13 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, . 

Total 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, . 



$20,253,016 00 

23,647,918 00 

$43,900,934 00 

21,066,558 00 



$22,834,376 00 
1,131,880 00 



Premiums. 

$206,711 10 
208,927 03 

$415,638 13 
191,102 48 

$224,535 65 
9,666 74 



Net amount in force, .... $21,702,496 00 $214,868 91 
Perpetual risks in force (not included above), 5,053,893 00 137,832 73 



374 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 
Fire losses incurred daring the year, . 

Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, .... 



$2,674,691 00 

1,716,024 00 

93,348 00 

730,597 00 

24,000 00 

35,550 00 



"ROCHESTER GERMAN INSURANCE COMPANY," 
ROCHESTER, N. Y. 

[Incorporated Feb. 16, 1S72. Commenced business Feb. 23, 1872.] 
Paid-up Capital, $200,000. 

Frederick Cook, President. H. F. Atwood, Secretary. 



Detailed Statement of Stocks and Bonds. 



Georgia State bonds, 

Virginia State bonds, .... 
N. Y. Central & Hudson River R.R. bonds, 
German-American Bank of Rochester stock, 
Rochester Title Insurance Company stock, 
Rochester city orders, .... 



Par Value. 

$25,000 00 
15,000 00 
20,000 00 
10,000 00 
10,000 00 
41,788 83 



Market Value. 

f30,000 00 
10,500 00 
20,400 00 
15,000 00 
10,000 00 
41,788 83 



$121,788 83 $127,688 83 



Summary of Assets Dec. 81, 1890. 

Cash value of unencumbered real estate, . $190,859 84 

Loans on mortgage of real estate (first liens'"), 318,505 00 

Interest due or accrued thereon, . . . 5,949 67 

Stocks and bonds, as per schedule, . . . 127,688 83 

Cash in the office of the company, . . . 1,525 00 

Cash deposited in bank, 116,107 44 

Interest due and accrued, ..... 887 50 

Premiums in course of collection (gross), . 89,206 24 

Gross assets 

Deduct special deposits in other States, 



$850,729 52 
40,500 00 



Balance, $8 

* Value of lands mortgaged $346,820 00 

Value of bondings thereon. 531,100 00 

Amount of insurance held as collateral, .... 346,77500 



10,229 52 



1890.] 



INS. COS. OF OTHER STATES. 



375 



Liabilities. 
Losses adjusted, unpaid," . 

Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 

Paid-up capital, 



$9,951 08 
18,114 77 
347,904 75 
21,611 31 
11,904 71 
2,404 50 

$411,891 12 
11,311 29 



$400,579 83 

$109,64!) 69 
200,000 00 



Surplus over capital, . . $209,649 69 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, , 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Profit and loss, 



$73,096 66 
585,013 32 



§658,109 98 
89,206 24 

$568,903 74 
132,122 85 



sources, 



Gross cash income, 



$436,780 89 
14,530 08 

5,245 95 
10,880 97 

6,791 87 

$474,229 76 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . ; ■ . 



$257,712 66 
31,665 14 



$226,047 52 
16,000 00 
86,504 80 
24,182 35 
7,349 59 
29,149 37 



Gross cash expenditures, 



$389,233 63 



37fi FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 81, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

.$50,661,582 00 $629,000 77 
. 49,713,659 00 585,01:1 32 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$106,375,241 00 $1,211,074 09 
. 42,634,334 00 503,508 33 



$63,740,907 00 §710,565 76 
4,783,578 00 55,879 58 



. $58,957,329 00 $654,686 18 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, .... 



^5,237,274 00 

2,925,700 00 

232,069 00 

299,000 00 

16,000 00 

49,650 00 



"RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 
Paid-up Capital, $200,000. 

Edward B. Fellows, President. Henry C. Kreiser, Secretary. 



Detailed Statement of Stocks and Bonds. 



District of Columbia bonds, 
42d Street & Grand Street Ferry R .11. bonds, 
500 shares N. Y Central & Hudson River II 11 
600 " Delaware, Lacka. & Western 11 R 
187 " Ti adesmen's National Bank, N. Y 
400 " Delaware & Hudson Canal Co., 
400 " Consolidated Gas Company, N. Y, 
50 " Long Island Railroad, 
New York Elevated Railroad bonds, 



Securities held as collateral for cash loans: — 

260 Shares North River Insurance Company, . 
8 i shares Stuyresant Fire fnsnranoe ( lompany, 

Chicago, Milwaukee iV St. Paul \i\l. bonds, . 



Par Value. 

$50,000 00 

6,000 00 

50,000 00 

30,000 00 

7,480 00 

40,000 00 

40,000 00 

2,500 00 

1,000 00 



Market Value. 

$60,000 00 

6,600 00 

50,500 00 

40,500 00 

7,480 00 

58,600 00 

40,000 00 

2,250 00 

1,140 00 



$226,980 00 $262,070 00 



Market Value. 

$5,135 00 

2,100 00 

2,840 oo 



Loaned Thereon. 

$3,000 00 

1,200 00 

2,000 00 



f9,575 00 $6,200 00 



1890.] 



INS. COS. OF OTHER STATES. 



377 



Summary of Assets Dec. 31, 1890. 



Casb value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 
Casb in the office of the company, . 
Cash deposited in hank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 
Return tax due, ...... 

Premiums more than 3 months due, $350 29 
(iross asset-, 



$77,000 00 

32,100 00 

560 00 

262,070 00 

6,200 00 

1,594 72 

2,442 04 

2,657 10 

980 38 

198 37 



$385,652 61 



Liabilities. 
Losses adjusted, unpaid, . * . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$2,738 94 
1,150 00 

1,437 76 

15,326 70 

528 75 

$4,797 95 
43,227 16 
10,500 00 



58,525 11 

§327,127 50 
200,000 00 

$127,127 50 



Income. 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, .... 

Xet collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



:,248 10 
99 94 



$1,148 16 
83,784 04 

$84,932 20 
1,280 67 

$83,651 53 
8,820 05 



$74,831 48 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$65,000 00 
41,200 00 
31,150 00 



378 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., ....... 



Gross cash income, 



$2,223 17 

11,522 36 

2,584 10 

191,161 47 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



$17,339 05 
59 25 



$17,279 80 

19,500 00 

14,671 26 

13,456 63 

2,260 00 

5,573 35 



Gross cash expenditures, $102,741 04 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$11,700,542 00 $91,317 60 
11,374,146 00 83,784 04 



$23,074,688 00 $175,101 64 
11,680,953 00 87,923 11 



$11,393,735 00 
269,082 00 



$11,124,653 00 



$87,178 53 
1,633 94 

$85,544 59 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$3,075,864 00 

1,230,063 00 

40,289 00 

1,022,000 00 

20,000 00 

53,400 00 



L890.] 



I\S. COS. OF OTHER STATES. 



370 



"SECURITY INSURANCE COMPANY OF NEW HAVEN," NEW 

HAVEN, CONN. 

[Incorporated April, 1841. Commenced business April, 1841.] 

Paid-up Capital, $250,000. 

Chas. S. Leete, President. II. Mason, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Tradesmen's Natl Bank (New Haven) stock, . $10,000 00 $21,760 00 

Second National Bank (New Haven) stock, . 20,000 00 27,000 00 

Merchants 1 National Bank (Now Haven) stock, 13,300 00 12,230 00 

Yale National Bank (New Haven) stock, . 20,000 00 20,400 00 

New Haven Nafl Bank (New Haven) stock, . 19,000 00 29,830 00 

New Haven Co Nat'l Bank (New Haven) stock, 17,520 00 23,652 00 

American Exchange Nafl Bank (N.Y.) stock, 10,000 00 15,800 00 

Commerce National Bank (New York) stock, 5,000 00 9,800 00 

New Haven Water Company stock, . . 8,800 00 18,480 00 

C, C, C & St Louis B R. stock, . . . 10,000 00 6,000 00 

N. Y.. N.w Haven & Hartford R.R. stock, . 12,000 00 30,600 00 

Shore Line R.R. stock, 7,700 00 13,244 00 

Chicago, Burlington & Quincy R.R. stock, . 11,000 00 9,900 00 

Chicago, Rock Island & Pacific R.R. stock, . 11,000 00 7,810 00 

Macon (Ga.) Gas, Water and Light Co. bonds, . 10,000 00 io,000 00 

New Haven & Northampton R.R bonds, . 15,000 00 18,300 00 

Chicago, Milwaukee & St Paul R.R. bonds, . 5,000 00 5,750 00 

Minneapolis & St. Louis R.R, bonds, . . 4,000 00 3,600 00 

Savannah & Western R.R. bonds, . . . 10,000 00 9,400 00 

New York & New England R.R. bonds, . . 5,000 00 5,100 00 

Columbus & Hocking Coal & Iron Co. bonds, . 10,000 00 10,000 00 

Jersey City (N. J.) city bonds, . . . 7,000 00 8,050 00 

Omaha (Neb.) city bonds, .... 10,000 00 10,600 00 

Council Bluffs (Iowa) city bonds, . . . 7,500 00 7,875 00 

Superior (Wis.) city bonds, .... 10,000 00 10,000 00 

Securities held as collateral for cash loans : — 

Market Value. 

New Haven Water Co. stock, $3,360 00 

City Bank, New Haven, stock, . . . . 2,760 00 

Mechanics 1 Bank, New Haven, stock, . . 378 00 

Produce Exchange, New Y r ork, stock, . . 5,220 00 

Boston Electric Light Company stock, . . 950 00 

Mercantile Safe Deposit Company stock, . 600 00 

L. Candee & Co , New Haven, stock, . . 9,500 00 

Danbury & Norwalk Railroad stock, . . 11,200 00 

St. Louis, Arkansas & Texas Railroad stock, . 1,200 00 

Third National Bank, Rockford, 111., stock, . 14,000 00 

New Haven- County National Bank stock, . 1,971 00 

Mortgage assigned, 7,500 00 



$274,820 00 $344,687 00 

Loaned Thereon 

$2,400 00 
- . 6,500 00 

1,300 00 

3,000 00 
10,000 00 

11,000 00 
1,500 00 
5,000 00 



$58,639 00 $40,700 00 



380 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Summary of Assets Dec 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 



31, 1890. 

$34,000 00 

163,725 00 

639 4-1 

344,687 00 

40,700 00 

78 77 

57,913 12 

1,412 66 

72,620 11 

6,637 27 

30 10 



$722,443 47 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$19,790 55 

27,531 12 

1,100 00 

$48,421 67 
5,353 16 

$43,068 51 

345,406 96 

17,185 77 



405,661 24 

$316,782 23 
250,000 00 

$66,782 23 



Income 

Fire premiums outstanding Dec. 31, 1889, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Lesa re-insurance and return premiums, 

Net cash fire premiums received, 



$54,142 62 
15 70 

$54,126 92 
696,150 07 

$750,276 99 
68,188 21 

$682,088 78 
170,908 63 



$511,180 15 



♦ Value of lands mortgaged* 

Value of building! L hereon, . 

Amount of Insurance held u» collateral, 



$400,896 00 
100,400 00 

100,400 00 



1890.] 



INS. COS. OF OTHER STATES. 



381 



Marine premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, 

Total, .' 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, . 

Gross cash income, 



$16,270 78 
102,305 09 



$118,575 87 
4,481 90 

$114,143 97 
11,410 05 



sources, 



$102,733 92 

8,563 90 

18,301 21 

137 50 

.$6 40,9 16 68 



Expenditures. 

(ash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, 

('ash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, . 






Risks and Pkemil 



Fire risks outstanding 1 Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of j'ear, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Marine risks written during 1890, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$297,086 91 
25,472 27 

$74,954 90 
3,394 07 



$271,614 64 



71,560 83 

20,000 00 

• 149,385 47 

60,697 15 

6,372 63 

$579,630 72 



MS. 



Premiums. 

$474,288 36 

696,150 07 

1,170,438 43 

526,047 21 

$53,469,275 00 $644,391 22 

4,538,638 00 60,240 18 

$48,930,637 00 $584,151 04 



$39,909,228 00 
55,338,267 00 

$95,247,495 00 
41,778,220 00 



$1,786,607 00 
16,348,115 00 



$47,697 83 
102,305 09 



$18,134,722 00 
16,710,230 00 



,424,492 00 
39,275 00 



$150,002 92 
114,274 64 

$35,728 28 
1,982 20 



11,385,217 00 $33,746 08 



382 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$6,432,627 00 

4,335,058 00 
256,056 00 

73,825 00 

399,281 00 

20,000 00 

65,700 00 



"SPRING GARDEN INSURANCE COMPANY; 1 PHILADELPHIA, PA. 

[Incorporated April 28, 1835. Commenced business Aug. 29, 1835.] 
Paid-up Capital, $400,000. 

Nel c on F. Evans, President. G. B. Akmitage, Secretary. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

St. Joseph city bonds, $ 20,000 00 $23,000 00 

Kansas City water works bonds, . . . 10,000 00 10,500 00 

North Pennsylvania Railroad bonds, . . 4,000 00 5,000 00 

Pittsburg, Cincinnati & St. Louis R R. bonds, . 30,000 00 35,700 00 

Pennsylvania Railroad bonds, . . . . 10,000 00 11,500 00 

Lehigh Valley Railroad bonds, . . . 20,000 00 25,000 00 

People's Passenger Railway bonds, . . . 10,000 00 11,500 00 

Lehigh Coal and Navigation Company bonds, 20,000 00 24,800 00 

American Steamship Company bonds, . . 5,000 00 5,250 00 

Terre Haute & Logansport Railroad bonds, . 20,000 00 20,400 00 

Cleveland, Columbus, Cin. & Ind. R R. bonds, 10,000 00 11,300 00 

Jacksonville Southeastern Railroad bonds, . 20,000 00 18,000 00 

Columbus & Cincinnati Midland RR bonds, . 20,000 00 18,000 00 

Marietta & North Georgia Railroad bonds, . 20,000 00 20,000 00 

Zanesville & Ohio River Railroad bonds, . 10,000 00 7,500 00 

Clearfield & Jefferson Railroad bonds, . . 10,000 00 11,500 00 

Jacksonville, Tampa & Key West R R bonds, 10,000 00 10,000 00 

Philadelphia & Reading Railroad bonds,. . 30,000 00 2!»,700 00 

Po ughkeepsie Bridge Company bonds, . . 10,000 00 5,600 00 

Pennsylvania & New York Canal &R R. bonds, 10,000 00 11,300 00 

200 shares Peim. National Bank, Philadelphia, 10,000 00 18,800 00 

100 " Commercial National Bank, Phila., 5,000 00 5,700 00 

100 " Fourth Street National Bank, Phila., 10,000 00 15,000 00 



$324,000 00 $355,050 00 



Securities held as collateral for cash loans: — 

Texas & Pacific Railroad bonds, 
Bloomington (111 ) City Railway bonds, . 

shares Spring Garden National Bank, Phila., 
Central New England & Western R.R. bonds, 



Market Value. 

|3,100 00 

8,500 00 

10,030 00 

30,600 00 



Loaned Thereon. 

$2,500 00 
6,500 00 
8,500 00 

20,000 00 



1890.] 



INS. COS. OF OTHER STATES. 



383 



10 shares Real Es. Title Ins & Trust Co., Phil a., 
Middle Georgia & Atlantic Railroad bonds, 
Easton & Am boy Railroad bonds, 
1 1<> Bhares Keystone National Hank, Phila., 
United Gas Improvement c<> stock, 

ares Spring Garden National Hank, 
Bloomington (111.) City Railway bonds, . 
281 -hare- United Gas Improvement Co., 
100 M Edison Electric Light Co., Phila., 
100 " Tennessee Coal, [ron & UM. Co , 
100 " People's Passenger Railway, . 
Mortgages assigned, 



Market Value. 

&2,000 00 
16, 500 00 

22,400 00 
7,000 00 

38,000 00 
2,85<) 00 

14,875 00 

16,860 00 
8,500 00 
3,000 00 
4,000 00 

76,000 00 



Loaned Thereon. 

$650 00 

11,000 00 

20,000 00 

5,000 00 

33,000 00 

12,000 00 

14,500 00 

8,<)00 00 

3,500 00 
57,000 00 



$264,215 00 $208,150 00 



Summary of Assets Dfx 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . . . 
Loans on collateral s curity, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, etc., 

Gross assets, 



31, 1890. 

$201,000 00 

490,265 44 

lo,646 19 

355,050 00 

208,150 00 

5,232 43 

54,968 80 

1,217 00 

22,794 90 

10,227 08 

1,723 94 



$1,361,275 78 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
L nearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$9,163 91 
26,561 00 

$35,724 91 
1,468 75 

$34,256 16 

196,05-4 51 

381,069 23 

823 05 



612,202 95 

$749,072 83 
400,000 00 

$349,072 83 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$1,036,850 00 
359,050 00 



384 FIRE, MARINE, AXD FIRE-MARINE [Dec. 31 



Income 

Fire premiums outstanding Dec. 31, 1889, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from all other sources, . 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



620,307 26 
374,519 71 

$400,826 97 
22,794 90 

$378,032 07 
78,787 91 



sources, 



,827 47 



$299,244 16 

26,944 73 

26,984 47 

3,533 36 

1,057 43 

$357,764 15 



Expenditures 

Cash paid for fire losses, $143,394 57 

Deduct salvage and re-insurance, . . . 6,319 82 

Net cash paid for fire losses, .... 

Cash dividends paid, . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . . 

for incidentals, 

Deposits returned on perpetual fire risks, . $10,639 37 

Gross cash expenditures, 



$137,074 75 
64,000 00 
64,811 59 
14,682 00 
14,546 48 
13,760 59 



$308,875 41 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, , 

Deduct amount re-insured, 

Net amount in force, .... 
Perpetual risks in force (not included above), . 17,552,673 00 



.$29,817,185 00 
. 34,075,218 00 

. $63,892,403 00 
. 31,133,331 00 

. $32,759,072 00 
. 1,199,560 00 

.$31,559,512 00 



rremiums. 

$346,365 67 
374,519 71 



$720,885 38 
333,750 19 

$387,135 19 
12,260 84 

$374,874 35 
417,854 70 



Miscellaneous. 
Losses paid from organization of company, . 
Fire Losses incurred during I lie year, 
Cash dividends declared from organization of company 
Dividends declared during the year (16 per cent.), 
Company's stock owned l>\ directors, 



$2,570,731 00 

15(5,077 00 

1,409,215 00 

64,000 00 

131,100 00 



1890.] 



INS. COS. OF OTHER STATES. 



385 



"ST. PAUL FIRE AND MARINE INSURANCE COMPANY;' 

ST. PAUL, MINN. 

[Incorporated May, 186>. Commenced business May, 180.').] 
Paid-up Capital, $.">00,000. 

('has. ii. Bioelow, President. Ciias. B. Gilbert, Secretary. 
Detailed Statement <>f Stocks and Bonds. 

Tar Value. Market Value. 

820 shares First National Bank. St. Paul, . $32,000 00 t,000 00 

475 - Merchants' National Bank, St. Panl, 47,500 00 85,500 00 

L00 " Bank of Minnesota, St Paul,. . 10,000 00 14,000 00 

60 " St. Paul National Bank, St. Panl, . 6,000 00 6,900 00 

45 " First National Bank, Alexandria, . 4,500 00 5,625 00 

100 " Flour City National Bank, . . 10,000 00 11,000 00 

50 " St. Paul Trust Company, St. Paul, . 5,000 00 6,250 00 

80 " First National Bank, St. Peter, . 3,000 00 3,750 00' 

50 " First National Bank, Glencoe, . 5,000 00 5,000 00 

50 " Seven Corners Bank, St. Paul, . 5,000 00 5,000 00 

Chic, St. Paul. Minn. & Omaha K K. bonds, . 10,000 00 11,600 00 

385 shares St Paul Warehouse & Elevator Co., 19,250 00 4,812 50 

50 shares North Amerioan Telegraph Co, . 5,000 00 5,000 00 

City of St. Paul bonds 60,000 00 63,000 00 

Board of Education, City of St. Paul, . . 87,797 75 37,797 75 

City of St. Paul, Minn. /warrants, . . . 20,400 00 20,400 00 

State of Georgia bonds 25,000 00 26,000 00 

Peoria, 111., Grape Sugar Company bonds, . 15,000 00 15,000 00 

City of Mankato bonds 8,500 00 8,925 00- 

Town of Sauk Centre bonds, .... 2,00000 2,10000 

Town of Vernon Centre bonds, . . . 7,500 00 7,875 00' 

Village of Detroit bonds, 700 00 700 00 

Town of Joe Daviess bonds, .... 5,500 00 5,775 00 

Town of Elmore bonds, 6,500 00 6,825 00 

Town of Garden City bonds, .... 6,000 00 6,300 00- 

Town of Winnebago bonds, .... 10,00000 10,50000* 

Village of Winnebago bonds, .... 5,000 00 5,250 00 

Town of Pilot Grove bonds, .... 5,00000 5,25000 

Town of Mazeppa bonds, 5,000 00 5,250 00- 

Town of Oakwood bonds, .... 7,500 00 7,875 00- 

Town of Blue Earth City bonds, . . . 36,000 00 37,800 00 

County of Pine bonds 4,500 00 4,950 00 

County of Pvock bonds, 24,000 00 27,600 00- 

County of Dawson bonds, .... 1,50000 1,50000' 

County of Barnes, D. T., bonds, . . . 10,000 00 10,000 00) 

County of Grand Forks, D. T., bonds, . . 4,000 00 4,000 00- 

County of Grant, Minn., school district bonds, 4,000 00 4,000 00- 

County of Barnes & Cass, D. T., sen. dist. bonds, 9,000 00 9,000 00 

County of Carver, Minn., school dist. bonds, . 6,000 00 6,000 00 

School District 11, Big St. County, bonds, . 3,000 00 3,000 00 

County of Griggs, D. T., school district bonds, 500 00 500 00 






FIRE, MARINE, AXD FIRE-MARINE [Dec. 31, 



County of Jerauld, I). T., school district bonds, 
( ounty of Cass, D. T., school district bonds, . 
( lounty of Sanborn, D. T., school dist. bonds, . 
( lounty of Barnes ^ Cass, D.T.,sch. dist. bonds, 
( ounty of Barnes & Cass,D. T., sen. dist. orders, 

Securities held as collateral for cash loans : — 

230 shares Merchants 1 Nat 1 ] Bank, St. Paul, . 

100 " First National Bank, St. Paul, 

85 " Second National Bank, St. Paul, . 

230 " St. Paul National Bank, St. Paul, . 

65 " Bank of Minnesota, St. Paul, 

407 " Savings Bank, St. Paul, 

800 " Pioneer Press Company, St. Paul, 

:22C " St. Paul & Sioux City Railroad, . 

.387 " St. Paul Harvester Co., St. Paul, . 

127 " Minneapolis Union Elevator Co., . 

.140 " Far\vell,Ozmun,Kirk&Co.,St Paul, 

504 " L. Superior Elevator Co , Duluth, 

1000 " Tacoma Coal Con^any, 

40 " Island Power Co., Minneapolis, . 

70 " Strong-Hackett Hardware Co , 

100 " Seven Corners Bank, St. Paul, 

150 " Sargent Co. Banking Co., D. T , . 

10 " St. Paul Trust Company, 

500 " St. Paul Foundry Company, . 

35 " Germania Bank, St. Paul, 

75 " Rutland Co. Nat. B'k, Rutland, Vt , 

30 " Nat. Ger -American Bank, St. Paul, 

100 " Union Imp. & Elev. Co., Duluth, . 

25 " Scan. American Bank, St. Paul, . 

25 " St. Paul Title Insur. & Trust Co , 

G2 " Pioneer Press Build'g Co., St. Paul, 

600 " C.N. Nelson Uumb. Co., Stillwater, 

75 " N. W. T.-Houston Elec. Co., St. P. 



Par Value. 

$2,400 00 

1,500 00 

5,500 00 

1,500 00 

360 75 



Market Value. 

£2,400 00 

1,500 00 

5,500 00 

1,500 00 

360 75 



$503,408 50 $582,871 00 



Market Value. 

$41,400 00 

20,000 00 

17,000 00 

26,450 00 

9,700 00 

61,050 00 

80,000 00 

16,750 00 

38,700 00 

22,860 00 

14,000 00 

31,500 00 

15,000 00 

6,000 00 

7,000 00 

10,000 00 

8,800 00 

1,000 00 

25,000 00 

4,375 00 

9,375 00 

3,750 00 

6,250 00 

3,000 00 

2,500 00 

6,200 00 

37,500 00 

7,500 00 



Loaned Thereon. 

$24,500 00 

10,000 00 

11,000 00 

20,400 00 

3,500 00 

36,800 00 

20,000 00 

12,000 00 

23,300 00 

13,500 00 

11,000 00 

18,000 00 

5,000 00 

4,800 00 

5,000 00 

8,000 00 

4,000 00 

800 00 

19,400 00 

3,000 00 

7,500 00 

2,500 00 

5,000 00 

2,200 00 

1,500 00 

3,500 00 

20.500 00 

5,000 00 

$301,700 00 



$532,660 00 

Summary of Assets Dec. 31, 1890.* 
Cash value of unencumbered real estate, . $83,981 82 

Loans on mortgage of real estate (first liensf), 649,483 17 
[nteresl due or accrued thereon, . . . 14,052 36 

* The company holds, also, instalment premium notes to the amount of $171,058.91, which 
do not enter into QOt form any part of the assets of the company, as no portion of them is 
earned. Whatever value might be attached to them would necessarily he counterbalanced by 
the addition of ao exactly equal amount to the re-insurance liability, the entire sum consisting 

of " unearned premiums." 

t Value of lauds mortgaged $974,600 00 

Valne of buildings thereon, 667,700 00 

Amount of insurance held as collateral, .... 500,02500 



1890.] 



INS. COS. OF OTIIKR STATES. 



387 



stork- and bonds, as per schedule, . 

Loan- on collateral security, as per schedule, 

Cash in thr office of the company, . 

( lash deposited in bank, .... 

[ntereBl dne and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Rents dne and accrued, .... 

Gross assets 

Deducl special deposits in other States, . 



Balance, 



$582,871 00 

301,700 00 

10,449 11 

92,241 73 

13,429 05 

112,414 02 

31,742 00 

90 00 



$1,892,454 26 
26,000 00 

$1,866,454 26 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk-, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits,. 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$16,073 97 

39,281 93 

7,983 15 



f63,339 05 
6,135 36 

157,208 69 

697,410 46 
21,623 13 

£776,237 28 
1,947 61 



774,289 67 

. $1,092,164 59 
500,000 00 



$592,164 59 



Income. 

Fire premiums outstanding Dec 31, 1889, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1889, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

~Set cash marine premiums received, 



$84,398 03 
1,098,400 29 

^1,182,798 32 
112,414 02 

11,070,384 30 
238,421 11 

$27,427 23 
233,191 64 

$260,618 87 
31,742 00 

$228,876 87 
21,104 42 



$831,963 19 



207,772 45 



388 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on mortgages, . 

I nt it. -t and dividends received from all other sources, 

Income from rents, 



Gross cash income, 



$43,047 45 

59,571 47 

8,299 59 

. $1,150,654 15 



Expenditures. 

(ash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 



$551,117 54 
80,340 77 

$137,616 02 
10,729 75 



$470,776 77 



126,886 27 

50,000 00 

226,281 13 

47,901 20 

21,255 01 

51,679 93 



$994,780 31 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1889, 
Murine risks written during 1890, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



591,834,429 00 
69,244,565 00 



$161,078,994 00 
. 50,312,439 00 



$110,766,555 00 
. 9,914,967 00 



Premiums. 

$1,161,328 63 

1,098,400 29 

$2,259,728 92 

850,909 02 

$1,408,819 90 

142,886 43 



$100,851,588 00 $1,265,933 47 



$2,598,673 00 
30,136,710 00 



$32,735,383 00 
29,717,515 00 



$81,527 91 
233 191 64 

5814,719 55 

218,800 42 



$3,017,868 00 $95,919 13 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Marine and inland losses incurred during tin; year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned bj directors, . 



$12,966,662 00 
8,021,658 00 
464,029 00 
118,146 00 
966,696 00 
50,000 00 
184,700 00 



1890.] 



INS. COS. OF OTHER STATES. 



389 



r. PAUL GERMAN INSURANCE COMPANY," ST. PAUL, MINN. 

[Incorporated April 1, 1889. Commenced business April 5, 1889.] 
Paid-up Capital, $300,000. 

Albert Scheffer, President. J. Q. Haas, Secretary. 



Detailed Statement of Stocks 



210 shares Commercial Bank, St. Paul, 
325 l 

500 ' 

180 ' 

5 « 

20 ' 



4 Hauser & Sons Malting ( lompany, . 

1 Corleis, Chapman vN: Drake, . 

4 First National Bank, 
State Bank, St. Paul. 

' Livingston National Hank, 
American Mortgage Security Company bonds, 
125 shares Manut'. Investment Company, 



and Bonds. 

Par Value. 

$24,000 00 

32,500 00 

25,000 00 

18,000 00 

500 00 

2,000 00 

25,000 00 

1,000 00 



Market Value. 

$28,800 00 

32,500 00 

25,000 00 

22,500 00 

500 00 

2,000 00 

25,000 00 

1,000 00 



$128,000 00 $137,300 00 
Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

St. Paul Park Improvement Company bonds, . § 18,000 00 $9,000 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), § 300,150 00 

5.795 23 
137,300 00 

9,000 00 

2,916 40 

79,252 42 

4.796 80 
119,314 03 

2,633 50 
9,627 30 



Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . . . . 

Interest due and accrued, 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Re-insurance, ....... 

Gross assets, 



$670,785 68 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 



$38,653 70 

34,100 03 

150 00 

$72,903 73 
17,624 78 

$55,278 95 

220,883 32 

17,336 22 

2,746 85 



296,245 34 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$652,800 00 
15,300 00 



390 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Surplus as regards policy-holders, . 
Paid-up capital, 



1374,540 3-4 

300,000 00 



Surplus over capital, $74,540 34 

Income. 

Fire premiums outstanding Dec. 31, 1889, . $104,206 93 
Premiums on risks written or renewed, . . 681,647 01 

Total, $785,853 94 

Premiums now in course of collection, . . 119,314 03 

Entire premiums collected, .... $666,539 91 
Less re-insurance and return premiums, . . 104,737 21 

Net cash fire premiums received, . . . $561,802 70 

Interest received on mortgages, 7,016 25 

Interest and dividends received from all other sources, . . 12,290 32 

Gross cash income, $581,109 27 



Expenditures. 

Cash paid for fire losses, $220,088 23 

Deduct salvage and re-insurance, . . . 46,041 96 

Net cash paid for fire losses, . . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, 



1174,046 27 
30,000 00 
82,687 58 
13,040 33 
792 43 
18,806 31 

$319,372 92 



Fire risks outstanding Dec. 31, 1889, 
Fire risks written during 1890, 



Risks and Premiums. 

Premiums. 

. $8,507,977 00 $104,206 93 
. 39,889,465 00 681,647 01 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $48,397,442 00 $785,853 94 
. 17,342,047 00 289,034 14 



.$31,055,395 00 $496,819 80 
. 6,882,388 00 98,319 84 



.$24,173,007 00 $398,499 96 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . . . . 



$587,873 00 

ls;},520 00 

226,238 00 

32,832 00 

30,000 00 

176,600 00 



L890.] 



INS. COS. OF OTHER STATES. 



391 



"SYNDICATE [NSURANCE COMPANY," MINNEAPOLIS, MINN. 

[Incorporated July 28, 18S6. Commenced business 8ept. 1, 1886.] 

Paid-up Capital, $250,000. 

John DeLaitthe, President. Jacob Stone, Secretary. 



Detailed Statement of Stocks and Bonds. 

Pax Value. 



Hennepin County, Minn., bonds, 

40 shares Nicollet National Bank, Minneapolis, 

S Unities held as collateral for cash loans : — 

100 shares Nicollet National Bank} 
50 kt N. W. National Bank, . 
First National Bank, 
( litizens 1 Bank, 
Minneapolis Syndicate, . 
Pioneer Fuel ( lompany, 
Bovey, DeLaittre Lumber Co , 
Ihiluth Land and Warehouse Company bonds 
250 -liar*- Brush Electric Light Company, 



$60,000 00 
4,000 00 



Market Value. 

$00,000 00 
4,400 00 



164,000 00 $64,400 00 



8=4 



60 

1200 

50 

200 



Market Value. 

$11,000 00 

7,500 00 

12,675 00 

6,600 00 

60,000 00 

5,000 00 

25,000 00 

16,000 00 

15,000 00 



Loaned Thereon. 

$ 9,000 00 

4,350 00 

4,500 00 

4,500 00 

25,000 00 

4,000 00 

8,000 00 

12,500 00 

10,000 00 



$158,775 00 $81,850 00 



Summary of Assets Dec. 31, 1890. 

Loans on mortgage of real estate (first liens*), $180,250 00 

Interest accrued thereon, 3,483 06